Multi-vehicle accidents set off a complicated chain of events. On high speed roadways accidents can quickly escalate to involve three, four, or five vehicles. In these types of cases, determining what happened, who is at fault, and whose insurance will pay what quickly becomes complicated.
In any car accident, the driver has a duty of care (responsibility) to the other driver. In a multi-car accident this responsibility is multiplied. A driver’s responsibility to other drivers is to drive reasonably and carefully under the given circumstances. Not exercising this duty of care is a negligent act.
When one driver’s negligent act causes injuries, the injured driver or passenger has a right to seek compensation. As compared to a single vehicle crash, it becomes difficult to determine the liability of all the different parties in a multi-vehicle crash. Every driver will have different versions of what happened. Which car caused the accident? Who was speeding? Was any driver distracted? Was someone following too closely? The list goes on.
It is for these reasons that it is important to speak with an experienced personal injury attorney about your accident. We can help you in assessing your insurance policy to make sure you are taken care of in case of an accident.
The Importance of Having Uninsured/Underinsured Motorist Coverage
Remember, the person who was at-fault in causing the accident is always responsible for the resulting injuries and losses to the innocent victims. A major problem in car accidents involving multiple vehicles is that the person at fault rarely has enough liability coverage to pay losses to multiple drivers. If multiple people are making claims on the at-fault driver’s liability policy, it can quickly become exhausted before you have been compensated. This is why it is important to have uninsured/underinsured motorist coverage. In this scenario you would be able to pursue an uninsured motorist claim through your own policy to ensure that your damages are paid in full.
Your UM pays what the at-fault driver should have paid. Uninsured motorist coverage is extremely important in many different scenarios and can save you from having to pay money out of pocket.
We speak with people every week who never thought they’d be injured in an auto accident and suffer losses. With the amount of uninsured drivers on the road it is important to know what your insurance policy covers. For more than 25 years we have been listening, advising, and helping people who have suffered unimaginable losses from accidents and we wrote Uninsured Motorist Coverage—Don’t Leave Home Without It to help answer some of the most common questions and concerns about UM. We take pride in establishing meaningful relationship with our clients and if you have any questions, don’t hesitate to call us 727-446-0840.