Single-Vehicle Accidents: What We Know
Being involved in a motor vehicle accident can be traumatizing; it can have long-lasting impacts on a person’s quality of life, on their mental state, and their financial freedom. While motor vehicle accidents are quite common with more than one vehicle – there’s a lot of scenarios where accidents take place involving only one vehicle instead.
Single-vehicle accidents can take place in many different ways, such as:
- Driving Off the Road/Into the Shoulder
- Driving Over Debris/Objects in the Road
- Rolling/Flipping Your Vehicle
- Hitting/Swerving to Avoid Animals
- Colliding with Rocks/Trees/Elements of Nature
- Driving Aggressively
- Driving Recklessly
- Distracted Driving
While many people assume that single-vehicle accidents are limited to an accident where the only people injured are those inside of the vehicle itself, there are some lesser-known scenarios where innocent bystanders or bicyclists can be injured and have it classified as a single-vehicle accident. Below, we’ve laid out some hypothetical scenarios involving single-vehicle accidents and insurance claims.
In our first scenario, let’s say that a motor vehicle crashed into a fast-food establishment. It’s important to first understand how and why the accident took place – for this example, let’s say that the driver’s accelerator got stuck, and they could not properly stop their vehicle from moving. Next, we’d need to look at the following: was this an after-market addition to their vehicle? If no, was it recalled by the vehicle manufacturer? If no again, said driver may be able to look at bringing a case against the manufacturer for a faulty part.
In another scenario, let’s say that a motor vehicle crashed into an office building. And let’s say that a few of the employees inside are injured due to the unexpected impact – the driver of the motor vehicle claimed that they accidentally pressed the gas when instead of the break. In a situation like this, the owner of the building and the workers inside may be able to bring a claim against the driver and their insurance company. As for the workers inside, because their injuries occurred while they’re at their place of employment, they’d be able to file for workers’ compensation benefits.
Single-vehicle accidents involving animals can be much different and require a different approach.
Single-Vehicle Accident Involving Livestock: A single-vehicle accident involving an animal like a cow, horse, etc., falls under different provisions of the law. If at any time a vehicle collides with one of the aforementioned animals, the driver may be able to pursue claims for injuries or damage with the owner of said livestock.
Single-Vehicle Accident Involving ‘Wild’ Animals: Accidents with wild animals such as deer, coyotes, bears, etc., drivers would need to check and see what type of liability they hold for that specific situation. If you do not have any type of comprehensive coverage, it’s going to be hard to get much more than medical costs.
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