Statistics in the United States have revealed that in the year 2018, car accidents claimed the lives of 36,560 people but over the years, that figure has fallen but car accidents is still the leading cause of death among teen drivers. For every minute you spend driving in your car, you are at risk of being involved in a car accident and you should know that single car accident can be fatal too. This article talks about single vehicle accident insurance claim and what you should know about it.
Fifty three percent of motor crash deaths that occurred in the year 2018 all came from single vehicle accidents and this leaves you with the question of what you can do to avoid being involved in a single car accident. Just as the name implies, a single vehicle accident is an accident that involves just one vehicle and there are several types of accident that fall under the category of single vehicle accident.
Single Vehicle Accident Insurance Claim
There are situations like hitting an object along the road, running off the road, hitting an animal, rolling off the road, losing control while driving your vehicle and also colliding with debris or rocks along the road. Since fifty three percent of deaths on 2018 were as a result of single vehicle accidents, that actually tells you how often it gets to happen yearly and the state of Montana had the highest number of deaths as it ranked seventy one percent.
Furthermore, researches have also proved that drivers who ride SUV’s and pickups are likely to be involved in a fatal single vehicle accident. What you should know is that single vehicle accidents is likely to be the result of a driving error but other factors are likely to play a role in a single vehicle accident as well. Some of these conditions include an animal invading the road or poor weather condition. It rests within the driver to anticipate and avoid these accidents.
Other common factors that might likely cause a single vehicle accident includes drunk driving, drowsy driving, speeding and distracting driving. You might be left confused if you have been involved in a single vehicle accident but what you must do is assess your injuries and that of any other passenger involved. You safety should be assessed as well and you should also check if your vehicle is out of travel lanes.
If it is on travel lanes then you should try to get it off the lane as soon as possible and also remember to turn on your hazard lights if you still have them. You should not forget to call the police as well because having an official record is very important. Photos of the scene should be taken and you should also write down the time the crash happened, what speed you were driving and any observations if your noticed your car had a problem.
Does Insurance Cover Single Vehicle Accident?
This is greatly dependent on what type of coverage that you have in your insurance policy and do you have collision coverage as well. Collision insurance is responsible for repairing or replacing your vehicle if you have been involved in a car accident and this also includes single vehicle accidents. If your car suffers damage because it rolls over icy roads, running over potholes, hitting a fence, tree or an utility pole then your collision coverage would handle it.
If you are involved in a single vehicle accident and injuries were sustained, you would be able to pay for your medical expenses if your insurance includes personal injury protection insurance. Single vehicle accidents are most likely to be considered an at fault type of accident therefore it is likely to cause your insurance premiums to go up. However, comprehensive insurance can also be of help in case of a single vehicle accident.
Can I File A Claim If I Have Been Involved In A Single Vehicle Accident
It is very okay to file a claim if multiple cars have been involved in an accident but its not the same if you have just your car involved. You would have to pay for deductible if you end up filing a claim so filing a claim is not really worth it if the cost is less than your deductible or if your vehicle suffered just a minor damage. Assessing the severity of your damage is entirely up to you and you should also weigh the options of paying out of your pocket or filing for a claim.
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