An auto accident can be a traumatic event, potentially resulting in fatalities or serious bodily injuries. An automotibile accident occurs when a vehicle collides with another object such as another vehicle, animal, pedestrian, or stationary objects like trees, bridges, etc. There are several factors that may contribute to an auto accident some of which are the speed at the time of the collision, road conditions and environment, drivers condition, skill and behavior, and motor vehicle design. Car accidents can result in anything from damage to property, to bodily injury and in severe circumstances loss of life.
To be compensated by either an insurance company or a court award, negligence usually must be proven. Negligence is a legal term that means someone has failed to act in a reasonably careful and responsible manner. In the case of a car crash, negligence is found in facts derived from the police report, eyewitness testimony, expert witness testimony, photographs and sketches of the crash scene. Proving negligence means showing that: Someone’s carelessness caused the car accident, the car accident caused harm and the party at fault is responsible for paying compensation for the harm done.
If more than one party involved in the accident is at fault, liability may be distributed among the negligent parties according to percentage of fault. This is called comparative negligence.
Compensation for Car Accidents
Receiving compensation usually means having your property repairs, medical expenses, lost income, physical and psychological pain and, if applicable, lost prospects paid for by the negligent party or parties. Insurance adjustors and juries typically use standard formulas to come up with a dollar value for car accident settlements.
No-fault insurance laws affect settlements in some states. In general, these laws prevent injury claims and lawsuits from being filed in trivial accidents. While they usually guarantee immediate insurance payment for medical expenses and lost wages, many other expenses are not covered. If you have been the victim of a car accident in a no-fault insurance state and have not been fully compensated for your losses, a lawyer can help determine if you are eligible for additional compensation.
Factors Contributing to Car Accidents
A number of factors contribute to car accidents, and many are the result of some form of negligence. Some of the most common are:
Driving While Distracted
Distracted drivers account for approximately 80 percent of auto accidents and 65 percent of near accidents, according to the National Highway Traffic Safety Administration (NHTSA). Each year, motorists cause thousands of driving accidents while texting, making cell phone calls, putting on makeup and performing other tasks. Many states have outlawed texting while driving, and/or driving while talking on handheld devices.
Traffic Law Violations
Most car accidents can be traced to negligence in the form of one or more traffic violations. Common violations include speeding, tailgating, improper lane changing, and failing to yield the right of way. When a traffic citation is issued at the scene of a car accident, any claims are strengthened.
Driver error is the cause of most traffic violations leading to car accidents. Factors contributing to driver error include fatigue, drowsiness, distractions (cell phone use, eating, etc.), inattention, intoxication (drugs, alcohol, medications) and aggressive driving. A study conducted by Virginia Tech University in 2006 showed 80 percent of motor vehicle crashes involved distraction, fatigue or looking away from the road. The same study showed that 93 percent of rear-end collisions occurred as a consequence of inattention. Note that harm caused by driving under the influence is not just a criminal violation — it can also be grounds for a civil suit.
Mechanical failures leading to car accidents often involve brakes, tires, steering mechanisms or suspension. A malfunction might point to negligence on the part of the owner or operator of the car, a mechanic or auto repair shop or the manufacturer for designing flawed equipment (e.g., seatbelts, airbags or roofs). Some of the best known cases of equipment failure involve manufacturer design flaws and often result in class action lawsuits involving large settlements. If you suspect equipment failure or a manufacturing defect contributed to an accident you were involved in, be sure to retain possession of your car so that it can be used as evidence in a trial, if necessary.
Road conditions can be affected by weather, road construction, debris on the roadway and other factors. When road conditions contribute to car accidents, negligence is often involved. Sometimes the government is the negligent party. For example, if a dangerous pothole has gone without repair for an extended length of time, the government may be liable. There are specific rules and time limits for filing a car accident claim with a government entity. For more information, you will need to contact a car accident attorney.
Flawed road design can involve intersections, merging lanes, traffic control devices and other factors. When the design of the road is a contributing factor in a car accident, the government may be liable.
When You Might Need a Personal Injury Attorney
Insurance companies frequently handle routine car accident claims, the majority of which involve property damage only. However, accidents involving serious forms of injury, such as closed head injury, often require assistance that only a personal injury attorney can provide. In these situations, an injury lawyer can help determine your rights and facilitate any claims you may have to compensation greater than the initial settlement. They include the following:
+ The insurance company won’t pay the full cost of property damage, medical expenses, lost income, psychological pain and lost prospects. Many of these types of claims are made against insurance companies in no-fault states.
+ The insurance company delays settling a claim. Each state has a statute of limitations for filing personal injury claims, so beware of allowing insurance claims to drag on too long.
+ The insurance company denies a claim (Sometimes the insurance company of the other party involved in the accident will claim their insured was not at fault or that the insured’s policy did not cover the accident.)
+ The party at fault does not have insurance.
You also should consider hiring a personal injury attorney when a government entity denies a claim, allowing a personal injury lawsuit to be filed.
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