Education
How California accident claims work
Guides, information and research about the claims process, the role medical bills play, the way insurance companies handle claims, what goes into a settlement, and the part legal representation plays.
Claims Process
How to Write a Demand Letter to an Insurance Company in California
What a demand letter contains, when it is typically sent, how claim value is calculated, and the 15-day and 40-day deadlines California insurers have to respond.
Insurance
California Auto Insurers Paid Out 65.8% of Premiums in 2025. The Gap Between the Best and Worst Was 26 Points
California auto insurers collected $48.4 billion in premium in 2025 and paid out 65.8% in claims. Loss ratios ranged from 51.3% to 77.2% across major insurance groups.