Personal Injury

Drowning accidents in San Diego can happen in more places than people realize. Some happen in backyard pools or apartment complexes. Others happen at hotels, resorts, beaches, or around Mission Bay. What these cases often have in common is that the injury or death was not simply “an accident.” In many cases, the real question is whether someone failed to provide a rea...

A rear-end accident in San Diego can leave you dealing with more than vehicle damage. Neck pain, headaches, missed work, medical bills, and early pressure from the insurance company often follow fast. Even when fault seems obvious, these claims can become complicated quickly. At Phillips & Pelly, we have seen insurers move just as quickly to question injuries, downpla...

After a car accident involving two private vehicles, insurance adjusters typically conduct investigations remotely, review police reports, and negotiate settlements based on documented damages and clear liability. Commercial vehicle accidents operate differently. Trucking companies and their insurers often deploy accident response teams to crash sites within hours. ...

After an injury accident, many people question whether they need an attorney or whether they can manage the insurance claim themselves. The answer depends less on the accident itself and more on the complexity behind it. In 2026, several factors have changed the personal injury landscape in California. Rideshare insurance coverage has been reduced significantly. Ins...

Most people assume that a car accident involves a single insurance policy and a straightforward claims process. In reality, some of the most complex and consequential injury cases in California involve multiple insurance policies, each with its own rules, limits, and exclusions. When more than one policy applies, determining who pays and in what order becomes a legal a...