Chances of a Fair Settlement from Insurance Companies After a Crash

Posted by on Oct 13, 2016 in Vehicle Accidents | 0 comments

Cars are today’s most common form of transportation, here in the U.S. and in the rest of the world. In 2013, the number of registered passenger cars in the U.S. was almost 129 million, while the total number of vehicles (passenger cars, motorcycles, trucks, buses, and other vehicles) was 255.8 million.

Increase in the number of passenger vehicles only means increased purchasing power of the American people – a sign of economic growth. These increases, however, also hints on the likelihood that the number of automobile crashes every year will remain to stay above five million and statistics on injuries and fatalities, more than two million and more than thirty thousand, respectively.

Each time an accident occurs, a victim naturally gets preoccupied with worries regarding the possible sources of money until he/she is able to get back on his/her feet. This is due to the unexpected situation he/she is thrown in: loss of income resulting from days off from work, cost of treatment medical treatment that needs to be settled and cost of property damage. It becomes worse if the accident were due to his/her fault as this will mean having to compensate injured victims (good if he/she resides in a no-fault state and carries a no-fault auto insurance coverage as this will mean compensation will be paid by his/her insurance provider, including compensation that will cover his/her own losses.

No-fault auto insurance coverage requires insurance companies to compensate their own policy holders even if they were the ones at fault in accidents. This is basically what makes the no-fault insurance coverage different from the tort or fault system, where auto insurance providers rather compensate the innocent accident victim and where the at-fault driver may be sued by the victim if the compensation paid by his/her insurance provider is not enough to cover the full amount of damages (suffered by the victim). Currently, the no-fault car liability insurance coverage is required in the states of Florida, Michigan, New York, Hawaii, Kansas, Massachusetts, Minnesota, North Dakota and Utah (though the states of New Jersey, Pennsylvania and Kentucky used to require drivers to carry a no-fault insurance coverage, they now allow drivers to choose which coverage they will carry: no-fault or tort insurance coverage).

According to an Indianapolis car accident lawyer, car accident victims in many states often find it very difficult to get a fair settlement from insurance companies after a crash. Regardless of their coverage or insurance policy, insurance companies are almost always reluctant to give them the full amount of money that they legally deserve. To make matters worse, some drivers have insufficient insurance to cover their liability; some others do not have coverage at all. In any of these situations, an experienced auto accident attorney may be the best and only hope victims have in recovering compensation.

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Just How Safe are Pedestrians in the Road?

Posted by on Jun 23, 2016 in Vehicle Accidents | 0 comments

Everyone is a pedestrian at certain times of the day; being a pedestrian is, in fact, one thing that is common among all people anywhere in the world. According to the National Safety Council, a non-profit, non-governmental public service organization, 70, 000 pedestrians accidents occur in the U.S. every year. More than 4,500 of these accidents are fatal. Based on the 2012 record of the National Highway Traffic Safety Administration’s Traffic Safety Facts, 4,818 pedestrians were killed in motor vehicle accidents; in 2013, fatal pedestrian accidents was 4,735.

That a pedestrian should observe proper and extra care is very important; but so is a driver knowing that he or she has to respect a pedestrian’s the right of way. This is because there are a lot of different factors that can put pedestrians’ lives at risk, including an uneven or cracked sidewalk, which can cause a pedestrian to trip (tripping is actually the major cause of pedestrian injury) and get hit by a motor vehicle, which can easily result to serious injuries or death.

Some examples of serious injuries that a pedestrian can sustain in accidents include broken bones, spinal cord injuries, traumatic brain injuries and accidental amputation. These serious injuries necessarily require medical, which are often too costly for victims to afford, considering the fact that the injury would also result to loss of wages due to time spent away from work.

There are pedestrian accidents which can be blamed on pedestrians themselves, as many of them fail to check for possible approaching vehicles before they cross, while many others are too engrossed in using their cell phone or their headsets even while crossing the street. In many other instances, accidents can be blamed on drivers, especially those who behave recklessly on the road (some drivers even deliberately drive very close to t pedestrians to the point of almost hitting them.

Many pedestrian accidents lawyers, like those from the law firm of Crowe & Mulvey, LLP, see pedestrian accidents in a different angle, based on the many cases they have handled. According to them, pedestrian accidents are usually due to drivers: running through crosswalks; failing to yield; speeding through school zones / residential areas; speeding through parking lots; or, failing to check blind spots before moving.

In any type of accident, a pedestrian can easily be injured or killed since he or she has no bodily protection to shield him or her from the force of impact created by an approaching vehicle. A driver who acts recklessly on the road and injures or kills a pedestrian should be held accountable for the results of his or her careless actions.

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Common Causes of 18-Wheeler Accidents

Posted by on Aug 18, 2015 in Vehicle Accidents | 0 comments

An 18-wheeler is among the many terms used to refer to a type of large truck composed of a tractor unit where one or several semi-trailers are hitched. The vehicle is used for heavy-duty hauling, mostly in the commercial and construction industry. Like most large trucks commanding the road, 18-wheelers are notoriously vulnerable to accidents. As noted by the Insurance Institute for Highway Safety or IIHS, roughly 1 in every 10 traffic fatalities involves large trucks such as 18-wheelers. About 130,000 individuals are said to be injured in an 18-wheeler accident each year.

As one can easily guess, 18-wheelers and other large trucks are particularly dangerous to other commuters due to their overpowering size. Most of these vehicles are 20 to 30 times heavier than a typical passenger car. This makes any large truck much harder to maneuver. It’s also easy to see that the huge discrepancy in size can make even the most minor of collisions extremely devastating. A truck’s size can also cause the driver to be vulnerable to no-zone areas or blind spots.

Of course, these risk factors aren’t much of a problem as long as truck drivers are able to receive proper training before being allowed by employers to operate any type of vehicle. The real danger lies on other, more conspicuous causes of 18-wheeler and other large truck accidents. According to the Chris Mayo Law Firm website, devastating truck accidents a result of negligence, particularly instances of truck driver error, drunk driving, and hours of service violation. The website of Habush Habush & Rottier S.C. ® adds truck malfunction, defective parts, and improper loading and securing of cargo as other common reasons behind these horrifying incidents.

It is true that 18-wheelers and other large trucks may pose certain dangers in highways and roads. However, truck drivers and operators can easily mitigate risks by following safety protocols and traffic regulations. There is still a way to curb the growing numbers of truck accidents occurring in America.

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