Insurance Claims For Single Car Accidents

Car accidents can be extremely dangerous and stressful. Most single car accidents happen due to bad weather conditions or animal encounters such as deer. Many drivers do not feel that they are at fault in a single car accident since there is nothing that could have been done to prevent the accident. However insurance companies tend to have a different view, unless your vehicle was struck by a flying object that damages your vehicle or caused loss of control.

What Are Some Single Car Accident Examples?

Driving While Distracted

Distracted driving caused accidents have been on the rise. Many drivers tend to multi-task while they are driving. Unfortunately today there are more distractions than ever. From cell phones, GPS, on board television sets really take away the attention from the road. If a distraction causes you to lose control of your vehicle and it is damaged, your insurance claim will be considered an at fault accident meaning that it was your fault.

It is really important to minimize multi-tasking and cell phone use while driving to avoid the possibility of an accident. In fact many states and metro areas have been passing laws to make cell phone use illegal while driving. If you are caught using a phone while you were in an accident you may have to pay hefty fees and tickets which can also make your insurance premiums increase.

Extreme Weather Conditions

Driving on slick roads is the number one cause of single car accidents. It is really difficult to spot ice patches on the road which can cause a driver to lose control of the vehicle. Hitting a ditch, tree, guard rails, or snow banks will be considered at-fault accidents even if you receive no moving violation by the police. If you file an insurance claim for this it will add points to your policy and your insurance may increase.

Sometimes if the weather conditions are extreme it may be a good idea to stay home or use public transportation. If you have to drive always give yourself extra space when stopping and decrease your speed whenever possible before you hit the brakes.

Pot Holes

Pot holes have been an increasing problem for drivers. Severe climate changes especially in the northern states have been damaging roads at alarming rates. Hitting a pot hole is still considered a single car accident where the driver is at-fault. This may seem unfair especially since avoiding pot holes is almost impossible sometimes because there is no place on the road to go. Insurance carriers do not want to be responsible for damaged vehicles because these types of claims are common and almost unavoidable.

If you want to avoid pot holes try to drive cautiously and whenever possible swerve around the hole. If you cannot swerve, then decrease your speed and drive very slowly over it so that you do not damage your car. Always be alert and give yourself extra time and space to slow down.

Hitting an Animal

Trying to avoid animals on the road by swerving is a natural reflex reaction. Sometimes this can be dangerous however. If you swerve you may lose control of your vehicle and hit a guard rail, embankment, tree, ditch, or even swerve into oncoming traffic. It is unfortunate but it is safer to actually hit the animal. A collision with an animal is considered a comprehensive claim; something your insurance will cover and not hold you at fault. If you do swerve and are involved in an accident your insurance carrier will count this as an at-fault collision.

Pay attention to signs that warn of deer populated areas and be alert while you are driving through. If you cannot avoid the animal; it is safer to hit it than to swerve out of the way.

Hitting a Flying Object

If your vehicle is struck by a flying object it is the one time that it will not be considered an at-fault accident. Flying objects can be rocks that hit your windshield, debris from other vehicles, or tree branches that fall on your car while you are driving. All of these incidents can be considered comprehensive claims and your insurance will cover the damage.

The driver is always responsible to keep control of the car at all times during bad weather conditions, roads with pot holes, or animal populated areas. Even if you do not receive a fine or ticket for a moving violation from the police the insurance company considers your claim to be at-fault. Sometimes it may even be beneficial not to report the accident to the insurance carrier if the damage is not too high to avoid an increase in insurance premiums.

There are many useful tips and advice on car insurance online, so make sure to do your research before making a purchase.