California Car Accident Statistics

California consistently reports some of the highest numbers of motor vehicle accidents in the nation, with over 216,000 people injured and more than 4,000 killed in traffic collisions statewide in 2023 alone, according to the California Highway Patrol (CHP) SWITRS Annual Report.

In Ventura County—home to both Thousand Oaks and Westlake Village—traffic collisions remain a significant concern:

  • The latest data shows that in 2022, there were over 3,500 injury-causing crashes in the county
  • Hundreds of those incidents occurred on congested roadways such as the 101 Freeway, the 23 Freeway, and local streets like Thousand Oaks Boulevard and Lindero Canyon Road
  • Many of these involved speeding, distracted driving, or impaired motorists, according to the Transportation Injury Mapping System (TIMS)
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What to Do After a Car Accident in Thousand Oaks or Westlake Village

Your actions after a car accident can significantly affect your health, safety, and ability to recover compensation. To protect yourself and your legal rights, follow these essential steps:

  1. Call 911 and report the accident immediately. If anyone is injured, provide aid like applying pressure to stop bleeding until help arrives. Stay in your vehicle if it's unsafe to exit. If your car can be driven and you're on a freeway, move it to the shoulder when safe.
  2. If you're physically able, exchange information with all involved drivers and speak to witnesses.
  3. Take photos of vehicle damage, injuries, skid marks, license plates, and road conditions. Preserving evidence early is key to building a strong case.
  4. Seek prompt medical attention, even if you feel fine, as some injuries can take time to appear.
  5. Visit a doctor or ER immediately, and mention the accident so your injuries are properly documented for your health and legal claim.
  6. Call the Swanson Law Group. Insurance adjusters often reach out quickly for statements that may lower your compensation. Let us manage communications to protect your interests. We’ll initiate an investigation, gather necessary records, and collaborate with experts to build a strong claim.

Key California Car Accident Laws

California Is a Fault-Based State

Under California law, the driver who causes a crash is financially responsible for the resulting injuries and property damage. These costs are typically paid through that driver’s liability insurance policy.

To ensure coverage, California Insurance Code § 11580.1(b) requires all drivers to carry minimum liability insurance of:

  • $15,000 for injury or death to one person
  • $30,000 for injury or death to more than one person
  • $5,000 for property damage

Comparative Fault Applies

California also has a comparative fault system, which means more than one driver can share responsibility for a crash.

If you’re partially at fault, your compensation may be reduced by your percentage of responsibility. For instance, if you’re 20% at fault, your total award will be reduced by 20%.

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You Have a Limited Time to File

Timing is critical. In most cases, you have two years from the accident date to file a personal injury lawsuit under California’s statute of limitations.

Missing this deadline can mean permanently losing your right to seek compensation for medical expenses, lost wages, and other damages.

There are exceptions. If your case involves a government vehicle, a minor, or delayed discovery of injuries, your filing time frame may be shorter or longer.

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Proving Liability in a Thousand Oaks or Westlake Village Car Accident

Determining who’s at fault in a car accident isn’t always simple. At The Swanson Law Group, we don’t rely on assumptions or take the insurance company’s word for it—we dig deep. Our team thoroughly investigates to uncover the truth and protect your right to full compensation.

Under California Civil Code § 1714, anyone who fails to exercise ordinary care in managing their vehicle can be held legally responsible for the harm they cause, even if their actions weren’t intentional.

In other words, if someone drives recklessly, distracted, impaired, or otherwise negligently, they can be liable for your injuries.

To prove liability under California law, we focus on four essential legal elements:

  1. Duty of Care: Every driver is expected to operate their vehicle responsibly, obeying traffic laws and taking reasonable precautions to avoid harming others.
  2. Breach of Duty: A driver breaches this duty by engaging in unsafe behaviors, such as speeding, texting while driving, running red lights, or driving under the influence.
  3. Causation: We must show that the other driver’s negligence directly caused the collision and your injuries.
  4. Damages: Finally, you must have suffered real losses—such as medical expenses, lost wages, property damage, or pain and suffering—due to the crash.

Why You Need to Be Cautious with Insurance Companies After a Car Accident

If you’ve been involved in a car crash in Thousand Oaks or Westlake Village, chances are you’ll receive a call from the other party’s insurance company soon after. The adjuster may come across as kind, helpful, or even concerned—but make no mistake: their job is to protect the insurer’s bottom line, not your best interests.

For example:

  • They might discourage you from hiring a lawyer, ask probing questions about pre-existing conditions, or try to get you to admit partial fault
  • These tactics are designed to minimize what they have to pay, or justify denying your claim altogether
  • Insurers are known to delay responses, create paperwork hurdles, and push unfair settlement offers, hoping you’ll settle quickly out of desperation or confusion about what your case is truly worth

Many people don’t realize that accepting a low settlement often means giving up the right to pursue further legal action, even if their injuries worsen or new costs arise. Rest assured, we handle all communication with adjusters, protect your rights, and fight to recover the full compensation you’re legally entitled to.

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Our Case Results Speak for Themselves

While every case is unique and outcomes can never be guaranteed, here’s a glimpse of what we’ve accomplished for past clients:

  • $8.87 Million Verdict: Rear-end collision involving a semi-truck and passenger vehicle, resulting in serious injury.
  • $6.25 Million Confidential Settlement: After four years of litigation, we secured a life-changing result in a complex personal injury case.
  • $5 Million Recovery: Our founder, Ben Swanson, played a key role as co-counsel in a major auto accident case with catastrophic injuries.
  • $4.4 Million Jury Verdict: Our client suffered a neck injury in a car accident. The insurer offered
  • $440,000—we took it to trial and won ten times that amount.
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What Is My Car Accident Case Worth in California?

Determining the value of your case requires a detailed assessment of your injuries, how they’ve impacted your life, and the financial losses you’ve suffered. The Swanson Law Group takes a strategic, evidence-based approach to evaluating your claim.

Key factors we consider include:

  • The severity and long-term impact of your medical condition
  • Whether you’ll require ongoing treatment or rehabilitation
  • Income lost due to missed work—both now and in the future
  • How your injuries have affected your daily life, relationships, and emotional well-being

To build the strongest case possible, we work with medical specialists, economists, and other experts to ensure that every element of your damages is accurately documented.

Types of compensation available in California car accident claims may include:

Economic Damages

These cover direct financial losses such as:

  • Hospital and doctor bills
  • Physical therapy
  • Ambulance fees
  • Lost wages
  • Diminished earning potential
  • Projected cost of future care

Non-Economic Damages

  • These compensate for the human toll, such as:
  • Pain and suffering
  • Emotional distress
  • Loss of enjoyment of life
  • Other intangible harms that often go undervalued without experienced legal representation
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Why Choose The Swanson Law Group for Your Car Accident Case in Thousand Oaks or Westlake Village?

Insurance companies know which lawyers will fold, and which ones they’ll have to pay. At The Swanson Law Group, we’ve earned a reputation for being relentless, strategic advocates who build every case on hard evidence, legal precision, and proven results.

When you work with us, we thoroughly investigate the crash, identify who’s legally at fault, and document the full extent of your injuries and losses. We understand exactly what the law allows 
you to recover, and we don’t settle for less.

What truly sets us apart is our ability to hold insurers fully accountable. We know how to open a policy when they act in bad faith, forcing them to pay the true value of your claim, something many attorneys miss.

We go beyond the courtroom. We connect our clients with trusted physicians and specialists, often with no upfront cost, so you can focus on healing while we fight for justice.

Whether negotiating or going to trial, we never back down. Call us today for a free, no-obligation case evaluation.

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Get the help you need from a team you can trust

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See how we go to bat for you!

To get an idea of how we operate, here is an excerpt of a letter our car accident lawyers in Thousand Oaks sent to an insurance company:

“Got your letter. Your company has had more than enough information to reasonably determine that the value of this case far exceeds the available policy limits of your insured. Attached are my last two one-level fusion surgery cases that the carriers allowed going to a jury. Neither case had a wage-loss component and both verdicts were over 3.8M. This letter will serve as my client’s final policy-limits demand. It expires in 15 days. I appreciate that we live in different spheres. One of the habits that most carriers develop is to undervalue cases until it is too late. Capitalizing on this mistake has allowed me to obtain financial freedom. Attached is a good illustration. Lauren is now dealing with a neck fusion case. My opening demand at mediation next month will be $7.5M. Will you be the latest Lauren? Fail to meet my demand if you wish to find out.”

Car Accident FAQs

Do I Need a Car Accident Lawyer for My Insurance Claim in Thousand Oaks or Westlake Village?

How Long Does It Take to Receive Compensation After a Car Accident?

What If an Unlicensed Driver Causes an Accident While Using My Car?

How Long Does a Car Accident Stay on My Driving Record in California?

Do I Need a Car Accident Lawyer for My Insurance Claim in Thousand Oaks or Westlake Village?

Hiring an experienced car accident lawyer can significantly impact your case. Insurance companies often limit payouts and shift blame. A skilled attorney can protect your rights, negotiate on your behalf, and ensure you receive the compensation you deserve under California law.

How Long Does It Take to Receive Compensation After a Car Accident?

The timeline varies based on injury severity, treatment duration, case complexity, and insurance cooperation. Some cases may resolve in months, while litigation can extend the process.

What If an Unlicensed Driver Causes an Accident While Using My Car?

If someone without a valid license crashes your vehicle, liability may depend on whether you allowed them to drive. Your insurance might cover the damages, but it could lead to legal issues. Consult an attorney to understand California law as it applies to your situation.

How Long Does a Car Accident Stay on My Driving Record in California?

In most cases, a car accident will remain on your California driving record for three to seven years, depending on the severity and whether a violation (like a DUI or hit-and-run) was involved. Your insurance premiums may also be affected during that time.

Get the help you need from a team you can trust

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