Articles Posted in Insurance

After a car crash, it is not unusual to have at least two versions of how an “accident” happened from the humans involved in it. Some of this is a function of the locations of various witnesses when they made whatever observations that had of the events. So, for example, independent witnesses in traffic behind the point of collision may have sight lines obscured by traffic, weather and the configuration of the roadway. Even with great sight lines, a witness’ visual acuity may be less than perfect. Similarly, those in the involved vehicles may not have had the best view of the events leading up to a collision. Passengers may be sleeping, reading or otherwise distracted by events inside or outside the vehicle. In the case of larger commercial vehicles, like a bus, those in the back may not have a good view out the front. The involved operators, of course, while having what should be the best view of what happened outside their windshield, also have the greatest incentive to minimize their fault in causing a collision – even though they likely have insurance designed to cover any such unfortunate events. In short, human limitations and human bias, can often lead to difficulties in determining what really happened in a car or truck crash and who was at fault for the collision.

These issues can be exacerbated when responding police leap to factual conclusions by accepting the factual position of one party at the scene or inferences that can be drawn from the point of impact on the roadway. This is exactly what happened to one of our recent clients. He was involved in a head on collision with another car. The collision occurred in the other car’s lane. When the police arrived, based on their conversations with the operators, and their determination that the collision occurred in the woman’s lane of travel, they immediately began to focus on our client as the cause of the collision.

This changed, however, when our client was able to recover enough from the collision to point the police in the direction of his dash cam video. This shows that as the vehicles approached each other head on, the woman strayed into the oncoming lane as she was rounding a curve to her right. With about 3 seconds to respond, the other inexperienced driver instinctively tried to evade to the left. When the woman corrected back into her lane, the collision occurred causing our client’s car to spin off the road. The police determined the woman was at fault. Ultimately, we were able to recover fair monetary damages for our client.

How will the possibly, perhaps inevitably, driverless future impact motor vehicle accidents? In 2015 there were over 6 million reported car crashes that resulted in over 2 million injuries.[1]  The primary cause behind most motor vehicle crashes is human error; for all the things humans do well, driving isn’t necessarily one of them.

In 2014 Tesla released the Model S, which included a tech package option that had autopilot features.[2]  Tesla’s idea was to have a system that could handle some of the responsibilities of driving to eliminate some of the deficiencies inherent in humans drivers.  Tesla, among other car manufacturers and some tech companies, believe computer operated cars could someday eliminate human errors in driving entirely.[3]

Unfortunately, in 2016 a Tesla car operating on autopilot resulted in a fatal crash for the car’s driver.[4]  The crash was an unfortunate tragedy, but the incident raised a number important legal questions:

If you’re lucky, you’ll never have to deal with the headache of being involved in a car accident.  Unfortunately, most of us will be involved in a collision at some point in our lives.  Statistics show that over the course of a typical long, driving lifetime, you should have a total of three to four accidents.  When you are involved in an accident there are numerous problems that arise.  First, and foremost, are any of the people involved hurt?  Even low impact collisions can cause injuries, including injuries you don’t feel immediately after the accident.  Here are a few tips on what to do if you’re involved in a car accident.

If either driver feels they’ve been injured or there is any vehicle damage, call the police.  Calling the police doesn’t necessarily mean one of the drivers will get a ticket or arrested, but it does ensure that there will be documentation of what happened including the identity of all persons involved and any witnesses.  A police report can be a vital piece of information if a dispute about the collision arises.

The police officer that responds will be gathering as much information about the collision as he or she can, but this doesn’t mean you can’t collect your own too.  If you have a smart phone take pictures and take notes.  Pictures of injuries to yourself, vehicle damage, license plate numbers, skid marks, traffic signals and mile markers on the road, are all valuable pieces of evidence to preserve.  You don’t have to be exhaustive, just get what you believe to be the important evidence.  If you do end up in an insurance dispute or lawsuit, contemporaneous pictures and notes could help you against the other driver when often times collisions are not witnessed and the case becomes one of “he said versus she said.”

Imagine this: You or a person you love is seriously hurt in a car accident. But the person who hit you is driving a stolen car. Or they don’t have insurance. Or they have only a very small insurance policy. Are you left with little or no money to compensate you for very serious injuries? The answer is no, if you protect yourself through a good car insurance policy of your own. There are 2 parts of your insurance policy that you should seriously consider talking with your agent or your insurance company about: the Uninsured Motorist and Underinsured Motorist coverage. This coverage protects you if another person, who had little or no insurance, injures you. Here’s an explanation of how it works.
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