Driving is a privilege and a responsibility, and driving with utmost safety is also a requirement. While many driving accidents are due to unexpected situations, one can prevent them with better planning and preparation. However, accidents happen even when we are doing everything right.
If you find yourself in such a circumstance, it’s best to know what car accidents can be covered under your car insurance policy so that you don’t have to pay for the damages out of pocket. This article will discuss common categories of car accidents covered under policies.
Single-car accidents are the most common type of car accident, accounting for around 70% of all crashes. According to Statista, in 2021, the US’s liability for auto insurance losses amounted to approximately 96.1 billion US dollars.
These accidents are usually caused by a driver losing their vehicle control and colliding with another car or an object. It can include driver errors, such as
• Failing to yield or speeding in road conditions like black ice or dangerous potholes, and
• Mechanical problems with your vehicle, such as a flat tire, bad brakes, or engine trouble.
The best way to avoid these accidents is to always drive safely and obey traffic laws.
It is important to remember that your insurance policy will not cover all of them. For example, most insurers won’t cover damages sustained in an accident caused by driver error. Also, that depends on whether you have comprehensive coverage on your policy.
That should typically include harm sustained from weather-related events and vandalism. However, they may not include potholes and black ice unless noted in the contract rider agreement with your insurance carrier.
Sideswipe Car Accidents
According to data from PopularMechanics, over 840,000 car crashes occur every year because of a blind spot. They cause thousands of injuries and many fatalities each year.
Sideswipe car accidents happen when a driver fails to keep a proper lookout. In this case, the other vehicle’s driver was at fault because they failed to avoid colliding with you. A sideswipe car accident can happen in the “same direction” and “opposite direction.”
You might wonder what happens next if you’ve been in a sideswipe car accident.
You’ll want to ensure you’re compensated for your injuries and other losses. You’ll need to file a claim with the insurance company for the other driver.
The first thing you should do is check the laws in your state. Each state has different regulations about how long someone has to file a claim. In most states, it’s three to six months after an accident or incident occurred. Thus, if you wait too long, your claim may not be valid anymore.
If you don’t know where to start, contact an attorney specializing in these cases.
A right-of-way violation occurs when a driver fails to yield the right of way. In this case, the driver who has the right-of-way has the right to go first and should not be impeded by another driver. The US law states that if you are on a green light, you may proceed into an intersection even if other vehicles have stopped ahead of you.
Right-of-way violations are a common cause of accidents on the road. They occur when one vehicle fails to yield to another vehicle or pedestrian, causing an accident. In most cases, right-of-way violations occur because drivers are distracted, lost in thought, or not paying attention.
If you’ve been injured by someone who violated your right-of-way, you may be able to file a personal injury claim against that driver.
One of the most common types of car accidents is a rear-end collision. It happens when the car behind you doesn’t pay attention and runs into your vehicle. The driver in front may have stopped suddenly or slowed down or may have just failed to see that there was another car nearby. In other cases, it could be your mistake.
For example, if you have trouble seeing well out of your windows because they’re tinted too darkly. Also, if you’ve been in a rear-end accident, contact your insurance provider as soon as possible to find out what coverage options are available to you and how much they will cost.
Hit and Run
Hit-and-run accidents occur when one driver leaves the scene of an accident, effectively denying any liability for their actions. They occur due to the carelessness of uninsured drivers and are covered under car insurance. However, if you’re involved in such an accident and want to file a claim on your vehicle’s collision coverage, get in touch with your insurance company immediately after the incident occurs so that they can start investigating right away.
You should also report hit-and-run incidents directly to local law enforcement officials as soon as possible following their occurrence. It will help ensure that official documentation is available for reference if necessary later down the road at renewal time or during a lawsuit over damages from these crashes occurring due to someone else fleeing from responsibility after causing them through negligence.
Accidents Caused by Fatigue
In a world where all the time you’re connected by news, information, and entertainment, it’s easy to get tired. And if you don’t get enough sleep or have too much on your mind in the days leading up to an accident, fatigue can be the prominent contributing factor in causing a car accident.
CDC reports that approximately 1 in every 25 adult drivers (i.e., 4%) in the US have reported having fallen asleep while driving at least once during the last month. In addition, people who snore or get less than 6 hours of sleep daily are more prone to drowsy issues while driving.
If you’ve been injured in an accident caused by fatigue, you’re probably wondering if you can collect on your insurance claim.
The answer is yes, but it’s not as simple as just making a claim and waiting for the check to arrive in the mail. First, you need to prove that your accident was caused by fatigue, which means providing proof of what caused your fatigue.
It’s important to have a good lawyer who understands how to work with these kinds of claims. Your lawyer will help you gather evidence about fatigue-related accidents and build a case for your insurance company.
Rollover accidents are some of the most devastating types of car accidents. They often result in catastrophic injuries and even death for the occupants.
Rollovers are caused by the vehicle being out of control. It can happen when the driver is driving too fast for the road conditions or losing control due to a blowout, icy roads, or other factors.
The car rolls over when it flips over on its top while traveling down the road or turning at high speeds. The main cause of rollovers is loss of control as well as speed. Rollovers can cause serious injuries such as broken bones, spinal cord injuries, and head trauma which may result in paralysis or death.
When you file a claim for compensation from the party responsible for causing your accident, you will need to provide detailed information about what happened during the crash and how much money you need for these expenses.
Another common cause of car accidents is drivers’ lack of skills. Sometimes, this means the person behind the wheel can not drive as safely or quickly as other drivers because they are not familiar with a specific type of vehicle or have not been in an accident before.
Other times, it may be due to inexperience with driving in certain conditions. In short, no matter what, your insurance will cover injuries sustained during an accident caused by any driver’s lack of skills or consideration for safety on the roadways.
While driver error is the leading cause of car accidents, it is significant to remember that your insurer will not pay for damages if another driver causes that accident. Thus, before you decide on different insurance coverage that best suits your needs, understand how each type covers claims and losses related to other drivers.