San Diego Injury Law Resource Center | Client Guides & FAQs

The Insurance Trap. Insurance adjusters count on your ignorance. They want you to rely on their “friendly” advice. They will tell you, “You don’t need a lawyer, we use a standard formula,” or “This is the final offer.” If you don’t know the rules, you have to believe them. We created this library to destroy that leverage. Below, you will find the truth about how settlements are actually calculated, why timelines vary, and how fees work. Don’t guess about your future. Read the guides below and understand exactly where you stand before you sign anything.

DUTY TO INFORM (BUS. & PROF. CODE § 6068(m))

The number one complaint against lawyers is “lack of communication.” Under California Business & Professions Code § 6068(m), an attorney has a statutory duty “to keep clients reasonably informed of significant developments.” We take this duty further. We believe you shouldn’t have to call us to understand how the law works. We built this Resource Center to give you 24/7 access to the “Playbook”—the specific statutes, timelines, and valuation methods we use to fight your case. An informed client is a powerful client.

Confidential Confidential Case Review • No Fee Unless We Win

Attorney Richard Morse a San Diego Injury Attorney

IMMEDIATE ACTIONS

What to Do After an Accident

A 5-step checklist to preserve evidence and protect your claim in the first 24 hours.

Do I Have a Case?

Understanding the four elements of negligence: Duty, Breach, Causation, and Damages.

VALUE & COSTS

How Much Is My Claim Worth?

The truth about settlement calculators and how we maximize pain and suffering multipliers.

How Contingency Fees Work

How we finance your litigation costs so you pay $0 out of pocket unless we win.

STRATEGY & TIMELINE

Settlement vs. Trial

Analyzing the risks and rewards of accepting a guaranteed payout vs. fighting for a verdict.

How Long Will My Case Take?

Understanding the Statute of Limitations and why waiting for MMI (Maximum Medical Improvement) pays off.

Attorney Advertising, Legal Disclosure & Authorship
ATTORNEY ADVERTISING. This content is provided for general informational and educational purposes only and does not constitute legal advice. Under the California Rules of Professional Conduct and applicable State Bar of California advertising regulations, this material may be considered attorney advertising. Viewing or reading this content does not create an attorney-client relationship. Laws and procedures governing personal injury claims vary by jurisdiction and may change over time. You should consult a qualified California personal injury attorney regarding your specific situation before taking any legal action.
Responsible Attorney: Richard Morse, California Attorney (Bar No. 289241).
Morse Injury Law is a practice name and location used by Richard Peter Morse III, a California-licensed attorney.
About the Author & Legal Review Process
This article was prepared by the legal editorial team supporting Richard Peter Morse III, with the goal of explaining California personal injury law and claims procedures in clear, accurate, and practical terms for injured individuals in San Diego and surrounding communities.
Legal Review: This content was reviewed and approved by Richard Morse, a California-licensed attorney (Bar No. 289241), who concentrates his practice on personal injury litigation and insurance claim disputes.
With more than 13 years of experience representing injury victims throughout California, Mr. Morse focuses on serious personal injury matters including motor vehicle collisions, uninsured and underinsured motorist claims, premises liability, catastrophic injury, and wrongful death. His practice emphasizes claims evaluation, insurance carrier accountability, and litigation in California courts when fair resolution cannot be achieved.