Accidents that involve cars, buses, trains, aircraft, watercraft and miscellaneous vehicles.
Should you buy a car that has been in an accident?
First, you may want to have an independent mechanic look at the car. Second, you should get a vehicle history report so that you know exactly what the problems were. Click here for Experian or Carfax. They each charge $15 for an instant report. EXTENDED... The vehicle check can be done free to a degree up to the point of an unverified report that states if the vehicle has been salvaged. That typically means the insurance company paid off the car as a total wreck. These cars will typically have a "reconstructed" title stating they were repaired and inspected. If that is the case, and you are not getting a huge discount, don't touch it. For all other accident cases, it is more work for you. You have to take it to a body shop and have it inspected, as stated above. But most often it is not serious. It comes down to the price of the car. All things being equal, buy one that has not been in an accident. But a discount for a bent bumper or creased door panel is hardly worth passing up if nothing else is wrong, and the check should show what repairs were done and how extensive they were. Finally, if the person lies, even a smidgen, don't touch the thing. I have had two cases in which I specifically asked if the car had been in an accident. One person said no and the other said that the tail light and bumper had to be replaced and that was all. Both cars, as it turns out, had been salvaged, and the seller lied about it hoping I would not check. If they are lying, and you catch them, that isn't all they are lying about. Walk away. ANSWER II: Ultimately, the fact that the car you want to buy has been in an accident should give first clue. Even if you had the car inspected, keep in mind, the car may have hidden damages due to the accident. Last but not least, most of the times when you buy an used car you buy it, AS IS. I would not do it. if the carfax is "unclean" you want to see if the airbags were deployed or if the vehicle was towed. those two could indicate frame damage.
How much money will you get for pain and suffering in a car accident?
If there is pain and suffering involved, it depends on the type of treatment and for how long. the best thing to do is to call your car insurance company and ask. first of all it depends on what type of treatment you are doing and for how long. and it is not incorrect to say that the insurance just pays for the damages to car and medical bills, but what happens is that there are claim adjusters for your PIP #( the one that you have to give for any appointments and treatment to be billed to the insurance.) that determine whether or not you should get any money...so you may or may not. but if you want to find out how much you will get call your car insurance so they can tell you. Generally, a personal injury settlement is a lump sum and is intended to compensate the claimant for past & future medical expenses and wage loss and other, concrete damages as discussed below. What people don't often understand about "pain and suffering" is those damages are more difficult to prove because they're subjective and often unseen. Pain and suffering is subjective and determined most often by lawyers and a judge during a trial. Insurance pays only for medical bills and repair of physical damage to your car. If you are looking for other reimbursement, you will need to speak with an attorney. I believe if a person is in an auto accident and has pain and suffering, the compensation for that should be calculated by how long your in pain, and if any emotional or phycological probloms occured because of it. Answer It is incorrect to say that Insurance pays only for medical bills and damage to car. It varies slightly with each state, but the victim of a car accident is entitled to, medical, future medical, property damages, pain and suffering, lost wages, lost earning capabilities, and mental anguish. Fault affects who holds that liability. Some states also allow for compensation for damage to relationships, family inconveniences and lost ability to enjoy life. There are lots of websites to help with "how to" determine reasonable amounts. In the UK pain and suffering is known as general damages and is the actual pain and suffering an accident causes you. Of course - this might seem very difficult to quantify, but in truth it is not so complex. The first step is to show exactly what your injury was at the time of the car accident, the symptoms you have suffered to date and what the future holds for your recovery. This information is produced by a consultant medical expert of the correct discipline who has access to your GP and hospital notes and who examines you. For example, if you suffered whiplash or back injury - this expert would be a consultant orthopaedic surgeon with a specialism in spinal injuries. Your lawyer would then look at the injury describes and compare the injury to previous cases decided by the courts in the past for similar injuries. To see examples of compensation amounts you can receive in a car accident see the link entitled "car accident compensation" and for the amounts of compensation for all manner of injury you could suffer in a road traffic accident see the related link entitled "compensation amounts". Zero.....an accident is an unintentional act. The only way you can receive anything for pain and suffering is to prove the other driver directly intended you harm. The term accident is often synonymously used to describe a vehicle collision which can involve cars, bikes, pedestrians, motorcycles and other motorized vehicles (ie tractors), etc. Assuming the question above is asking how to determine pain and suffering values: Pain and suffering, although having no specific requirements would fall within a range. The range is determined by the amounts of pain and suffering paid out on similar claims. Claims are awarded in court or determined by out of court settlement amounts. Asking an experienced attorney can help you determine the value of your case.
Do you have to report all car accidents to your insurance company?
Yes, auto insurance policy states that you are required to report all accidents (losses) immediately. There are a few reasons for this. The carrier wants to quickly see your vehicle - take photos and write an estimate. If it was a single vehicle loss, and no monies are owed to any other party, they STILL want to do this because, essentially, they are not still insuring the 'same' vehicle. It is now damaged and likely has a different estimated value. Even though damage appraisers can distinguish old damage from new, your carrier has the right to know the condition of this insured vehicle. EVEN IF you don't carry first party collsion coverage on this vehicle, you could have another accident in the future and if we view this vehicle for THAT accident, we already know the damage incurred in the prior accident. If you were in a two car or multiple car collision, your carrier needs to speak with you as soon as possible after the accident - and you should WANT to also; you certainly want both your carrier AND the carriers of any other involved vehicles to hear your side of the story. If you don't, they have only the version given by the other parties and have to make their liability decisions based on what they've heard.
How does inertia cause injury to a person in a car accident?
When a car is moving at a certain speed, objects in the car, including people, move at the same speed as well. When a car accident happens, for example the car crashes into a wall, the car stops moving suddenly because of the obstacle it hits. The people, however, don't meet the obstacle and keep on moving at the same speed they had been moving before the accident. As a result, these people usually hit the front car glass or the steering wheel and get injured.
Asked in Transportation Accidents
What does it feel like in a car crash?
when ur in a car accident many things can be going through your mind.... i can tell you from experience! First thing you would probably feel is being scared and thining your gonna die. Then when or if there is an impact of another car you wont feel much at first because your adrenaline is rushing and your frightened but then you will be quite sore depending on your injuries.
Asked in Transportation Accidents
If a car is stolen and has an accident within 24 hours is the car owner's insurance responsible?
Your insurance company should cover the risk. Good question. Doesn't the answer depend upon each insurance carrier's T&C? Do individual state laws trump policy limitations? This answer fully depends upon both the language in your policy and the laws in the state where you reside. However, in general if you car was stolen and the person who stole the vehicle is involved in an accident, your policy would cover any damage to your vehicle however you would not be held responsible to any damage caused to others as a result of that accident. Be prepared for a thorough investigation by both your company and the company for the person whose vehicle was damaged because of this accident. Unfortunately in my experience, too many people cause accident due to intoxication or other and flea the scene then create a story about the vehicle being stolen to avoid paying the penalty for both their crime and damages to others. It also depends on whether you have full coverage insurance or not. If you do, then the above is correct, but if you carry liability only, they will cover damages to others property, but not yours.
How much money should you get from a car accident for pain and suffering?
: Generally, a personal injury settlement is a lump sum and is intended to compensate the claimant for past & future medical expenses and wage loss and other, concrete damages as discussed below. What people don't often understand about "pain and suffering" is those damages are more difficult to prove because they're subjective and often unseen. For example, if you have difficulty sleeping due to chronic neck or back pain, it's very difficult to prove. It's simply your word, and the insurance adjuster is likely to suspect you are exaggerating. The burden of proof is on the claimant. Discussing such a situation with your medical provider, providing a receipt to prove you bought a new bed or mattress, a receipt for a prescription for pain medication or sleeping pills: these are ways to bolster a claim for "softer" damages. Pain and suffering is subjective and determined most often by lawyers and a judge during a trial. Insurance pays only for medical bills and repair of physical damage to your car. If you are looking for other reimbursement, you will need to speak with an attorney. For UK In the UK pain and suffering is known as general damages and is the actual pain and suffering an accident causes you. Of course - this might seem very difficult to quantify, but in truth it is not so complex. The first step is to show exactly what your injury was at the time of the car accident, the symptoms you have suffered to date and what the future holds for your recovery. This information is produced by a consultant medical expert of the correct discipline who has access to your GP and hospital notes and who examines you. For example, if you suffered whiplash or back injury - this expert would be a consultant orthopaedic surgeon with a specialism in spinal injuries. Your lawyer would then look at the injury describes and compare the injury to previous cases decided by the courts in the past for similar injuries. To see examples of compensation amounts you can receive in a car accident see the link entitled "car accident compensation" and for the amounts of compensation for all manner of injury you could suffer in a road traffic accident see the related link entitled "compensation amounts".
Can a collection agency put a collection on your credit even though you have a police report showing the car accident was not your fault?
Collection agencies only care about one thing...collecting money. More info is needed to answer this question but if this is a medical collection, you need to find out why your insurance company did not pay it. You are allowed to write to the Credit Bureau(s) and attach a comment that other creditors will see. Simply and briefly write your comment to explain the circumstances. Even if the collection agency won't listen, other creditors will see your explanation.
What are travel related accidents?
Travel-Related accidents take many lives everyday. An accident in which many people are involved can turn into a disaster. Deaths in such accidents are due to the impact or due to the explosion and fire caused due to fuel. In case of an accident , pull out as many people as possible from the wreckage. If you smell fuel, get away from wreckage quickly.
Asked in Transportation Accidents
If you own the car but do not drive it are you liable for accidents?
Your situation could result in a lot of quirky scenarios, so you're being very smart to ask these questions before proceeding. You've got several options, probably more than I can hit on here. But I'll try: 1. If you plan on keeping your name on the title, and your ex-husband agrees to insure your daughter and the new car, you can ask his carrier to put you on as a lienholder for the car. Usually, this is a simple process, because the insurance carrier will ask if any lienholders exist for the car, but it might take your husband's permission. Also, if there's an actual lien (ie, through a bank or a dealership), the lienholder would need to be placed on the policy, anyway (but there's nothing wrong with listing the bank and you at the same time). This doesn't mean that you have any rights under your husband's policy except the right to be considered for payment (in other words, as a lienholder, you're not an insured driver under his policy...just in case he wonders :). 2. HOWEVER: Your husband's carrier might have issues with listing a new vehicle for which he is not an owner. If that's the case, along with including the new car on your husband's policy, you'll need to have your daughter listed on the title AND the policy. This way, she will be both an owner and an insured under the policy. If you don't do this, and your daughter has an accident, your husband's carrier might deny coverage because the new car would be considered an unlisted vehicle owned by a family member, and they would rightly deny because the appropriate rates weren't paid for that vehicle. 3. Would the money go just to your husband? Not necessarily. Again, if you're listed as a lienholder, you would need to be included on the draft. If his carrier neglected to include you, and your husband ran off with the money, you'd have recourse against his carrier and they might have to pay you again (this is rare, and it can be a battle, but I've seen it happen). 4. As an owner of the new car, would you be liable for any accidents? It depends. If your daughter has coverage under her father's policy, and the vehicle is listed on that policy, your husband's carrier would be primary and do whatever it can to "protect" its insureds (ie, your husband and your daughter). It's highly unlikely any damages would come your way, though it's possible depending on the severity of an accident. Say, for instance, your daughter broadsides a vanload of kids, and there are fatalities involved. Your husband's policy limits would likely be exhausted in such a scenario. But, your husband's carrier will also attempt to settle any claims within those policy limits, and obtain releases for further damages. This is a worst-case scenario, of course, but those things do happen. On the other hand, if your daughter's coverage and car are all "legal," on the "up-and-up," etc, you should be okay. 5. Shop around. It's possible that adding your daughter to your husband's policy isn't the best way to go, as far as rates go. Your daughter might get better rates just getting a policy on her own (though this is highly unlikely). Also, you can always have the exclusion on your policy removed, and include your daughter and the new car. HOWEVER: Since your daughter's permanent residence is with her dad, you'd need to check with your carrier to verify this is okay. Some insurance carriers are very, very picky about that sort of thing. Hope that friendus some of your questions. In reality, your situation is not that unusual these days, but you're on the right track in making sure all your bases are covered.
Should you pay for repairs to the vehicle's owner out of pocket after a minor car accident if you are at fault?
If another driver has an accident in your car will your insurance company add that driver to your policy?
The other driver is not "added to your policy". However, the other driver will be covered by your policy for this accident provided certain conditions are met. 1. The vehicle cannot be available for the regular use of this other driver, which is to say the policy will cover them so long as they are merely borrowing the vehicle. 2. The other driver must have the permission of the owner of the vehicle to drive it. Insurance will not cover someone, for example, who wrecks a car after stealing it. Note that if this temporary driver is insured with their own policy, their policy would only come into play if damages exceed the limits of your policy. As you note in your question that the temporary driver was added to your policy, I must assume that this person is someone who you did not report to your insurance company as a driver but they should be on your policy, i.e. someone who has the regular use of your vehicle. Insurance companies handle this situation in differing ways but some will add a driver to the policy as a courtesy to their insureds. Those that do this will first look into that driver's record to determine what premium they would have charged to cover this person had this person been on the policy from the start. So long as the premium increase would not have been more than a certain percentage, say 30%, they will provide coverage for the accident, add the driver and charge the added premium amount for the added coverage. However, if the premium increase were more than this certain percentage, they may not only deny coverage for this accident, but also rescind the policy - meaning the policy is null and avoid. They can do this because one of the conditions of insurance is that the insurance cannot commit a material misrepresntation, such as misrepresenting who and what is to be insured.
Asked in Transportation Accidents
If you are in an accident and you have no insurance what will the bank do when they find out your car is totaled?
The lender has several options but the one you will be concerned with is: SUE YOU for the money. Depending on how long you didnt have ins. the lender had probably placed ins. on the loan that covers them but NOT you. You will still be looking at a Balance DUE. If ya cant ins. it, ya cant AFFORD to drive it. Good Luck It's a little more serious than Roosta's opinion. The vehicle destroyed was the collateral which officially established your loan as a SECURED LOAN. That is the condition you signed upon completing your buyer's contract which is to maintain at minimum Comprehensive and Collision coverages however most of them specifically state such coverage does NOT substitute for bodily injury/property damage liability required by law to even MOVE the car without a towing truck in all 50 states and most Canadian territories. Many lenders will like she said add insurance that ONLY covers the repair/replacement costs of their precious investment and they do it almost immediately. If by some chance it's totalled and they haven't done so you might be brought up on criminal charges unless you are able to produce the entire remaining balance immediately. Unless of course you're not at fault, in which case the other person's insurance must pay. These possibilites are going to be the least of your problems if you're in a crash, at fault with no liability coverage. You'll probably spend time in jail not to mention get stuck riding scummy filthy low life busses for the rest of your life, or however long you're in North America (USA, Mexico, or Canada) They are right. The best thing you can do is keep paying your payments, and hope they don't find out. ok thank you for your friendus but the accident definitly was her falt problem is her isurance doesnt want to cover of coarse she denies!being there at all so what can i do for now as far as the payements and what is ussually the out come? (ive never been in an accident)?
Asked in Transportation Accidents
What is an 'at fault' accident?
It means that you are literally at fault for damages incurred from the accident, including other vehicles, municipal/state property, and the damage caused to your own vehicle. Your insurance will have to pick up the tab on all of this, and the city will probably fine you for crashing and destroying their property.
Can you appeal a police report if they didn't consider your view of the accident?
Without full coverage on your vehicle, it looks like you're going to be doing all the footwork for your accident. But, even though it can be confusing, there are several things you can do: File an amended police report. Sure, it won't be in the reporting officer's handwriting, but it shows you disagree with his version of the accident as listed on the report. It's very interesting that you mention that the vehicle to your right managed to pass by smoothly. This would indicate, of course, that you hadn't hydroplaned into the right lane. It doesn't sound like there are any witnesses to this accident. That's problematic, because the people in your vehicle and the motor home would not technically be considered independent witnesses. Still, if you end up going to court, you'll want to bring along any adults who were in your car. Consider the point-of-impact when dealing with the insurance carrier of the motor home. If it was a dead-on, rear-end hit, it essentially falls to them to prove that you are liable for this loss. This is very, very difficult to do, so that's in your favor. Really, the insurance adjuster would need a witness beyond the other driver to prove you came into the motor home's lane so fast that the motor home was unable to stop. But ... will that matter? It depends. The other carrier may still deny liability, relying on the police report and their driver's statement. They may even go after your liability coverage to pay for damages to the motor home (you'll want to stay in contact with your carrier to get updates on how they're handling the claim). Also, if the other carrier knows you don't carry full coverage, they don't have to worry about your insurance coming after them or arbitrating the claim. They may gamble that you won't pursue the claim as far as court. Since you don't have full coverage on your vehicle, and no payments will be made by your insurance carrier, your final option is take the motor home driver to court (assuming his carrier doesn't pay for your damages). There are several strategies to consider when taking someone to court over an auto accident. If neither you or your passengers were injured, you don't necessarily need an attorney. If you were, it might be best to contact one. Some things to consider about going to court: a. Decide if small claims or civil court is best for your case (your state or county statutes may not give you a choice, so take a trip to the courthouse to do some research). b. In small claims, attorneys aren't allowed. This may mean that even though you're suing the other driver, his carrier may not be prompted into settling with you because they don't have to worry about the expense of providing an attorney. Instead, just you and the other driver have to show up, though the other driver's carrier may send a representative to guide their driver through the proceedings. c. In a civil case, you'd both want an attorney. This usually prompts insurance carriers to settle, because they will typically make a business decision (ie, how much do we want to spend?) regardless of liability. d. Mitigate your damages! I cannot stress this enough. If you're forced to take the other driver to court, you can expect long delays and months before you actually stand before a judge. If you expect to be compensated for, say, loss-of-use (ie, rental) during that time, you'll be sorely disappointed. All "mitigate your damages" means is that you do what you can to lessen any damages, and that includes expenses. It would probably be best, for instance, to go ahead and replace your car if it's a total loss. A good attitude to keep during this whole thing is that the other driver's insurance company doesn't "owe" you anything. Their contract/policy is with their driver, and they will act accordingly to protect their driver. This may sound harsh, but your carrier should do the same for you. It'll also keep the whole process less frustrating for you (believe me). Good luck!
Asked in Car Selling, Transportation Accidents
If you unknowingly sell a car to a private individual who has no license and they get stopped or get in an accident can you be prosecuted?
Dora I don't know how it works in your state but in Nevada yes you can be held liable IF they have failed to obtain a corrected title and place liability insurance by the time a traffic stop or accident occurs. If their insurance company sold them insurance knowing the insured had no driver license, they are obligated to pay the victim's(s) damages or injuries provided all conditions of the policy were abided. Remember these things when selling a second hand car to a private party: 1.) ALWAYS cancel your own insurance before parking it to be picked up by a buyer. If you don't, any claims or losses affect your own record even though the other person was driving. 2.) Sign the title over directly to them, and if possible take it to DMV so the title switchover process can begin as soon as possible. 3.) NEVER EVER leave your assigned license plates on a car you sell to another person. If nothing else, if the person is stopped and the police run the plates and Vin through DMV and/or NCIC (which they always do) the vehicle will be impounded for sure and you could be held at least partially responsible. 4.) When selling a car, have them show you a temporary operating permit, evidence of valid liability insurance on the vehicle to be sold, and a valid driver license making sure that all notations match the person(s) in front of you BEFORE YOU GIVE THEM THE KEYS!!! 5.) Provide the buyer with a receipt showing the full amount paid and conditions (if any) that are applicable to the sale. It may seem a little too formal, but trust me in the long run you have to do what is necessary to protect yourself from the liability involved if there are any problem(s) resulting from their irresponsibility. Good Luck. In New York, If you sell a car you are legally responsible for that car until the new owner titles/regs. the car in their name. Beware that someone can also reg. a car in their name and the title can be in your name. You should always get a note/letter, signed by the buyer, stating that you sold the car to "John Smith" on the date of the sale and make sure he/she signs it, that way IF anything should happen, you are in the clear. Always, as the above answer states, ask to see their DL. and, insurance card in N.Y.. If they get hairy about this, it should send a red flag to you that something is not right, and you should not deal with this person. Good Luck, Tony. : Many states now have a stub on the bottom of the title that you as the seller, fill out and send in to the DMV to report that you've sold your car. This is to protect the seller against the deadbeat buyer who never transfers title. The bill of sale is an option also, just make sure you can document that you sold it, and WHEN you sold it.
Whose insurance pays if you are borrowing another's car and are in an accident?
Read your policy. If the policy says that anyone driving your car with your permission is an insured, then the company that insures that car pays. Many policies exclude certain drivers, so it is not a one size fits all answer. The insurance for the car will pay, not the driver. Sadly, you are not required to pay anything, but if you are a responsible person, then you will....especially if it was your fault.
If you drive on a learners permit without an adult in the car and get in an accident will insurance pay for the damages?
No, insurance will not pay if your parents have not placed you on the policy yet. You may also want to check your state laws. Having a 16-year-old daughter makes me a good source of info on this topic. Good luck to you. Actually, it depends on your carrier. Most parents add their children to their insurance when the kids get learners permits. Depending on your parents' policy, there may be an exclusion for not having an adult in the vehicle with you. Or there may not be. And, here's the fun part: Even if there is an exclusion, and you decide to drive the car without an adult parent and get into an accident, most courts would not uphold the exclusion. One, first party coverage (i.e., to pay for the damages to your parents' car) is pretty hard to deny; and, two, third party -- or liability -- coverage is difficult to deny by an insurance carrier because it would place your parents in too much jeopardy (getting sued, etc). Still, unless you want a huge hassle before you even get a license, don't risk it. When does state law require a parent to add their 16 year old child with a learners permit to their auto policy?
Can you get another new car instead of repairs if your brand new car is in an accident?
That depends mostly on how much coverage you elected, and with the average ammount for such a new vehicle you described if the damage was to that extent it can constitute total loss in which case your insurance company will first pay off your ajusted (excluding interest) loan balance in FULL then let you have the difference. Even if the money you receive isn't enough to make a substantial downpayment on a new car with the last one showing on your credit paid off in full, you will have a lot easier time being financed, but if you had extended comprehensive coverage you may get several thousands in which case you can easily buy yourself something decent. Good Luck!
How can you obtain a rental vehicle after an accident that wasn't your fault?
It sounds like you are starting to get the insurance adjuster run around. Of course it is the responsibility of the driver that rear-ended you to repair your car and provide a rental. If you have an attorney then let him call the adjuster and straighten him out. If not, then file a complaint with the state agency that oversees insurance companies. Check the state website for a link. You may have to go ahead and rent a car on your own and then try to collect later. This can be done by filing in samll claims court against the other driver. lwpat http://www.speedingticketcentral.com
Was Jim Craig hockey player ever involved in car accident?
Yes, on May 31, 1982 he was involved in a car accident that resulted in a woman's death. He was not intoxicated. The accident happened on a wet roadway and his car crossed the center line. Here's the story from the NY Times: Jim Craig, the goaltender on the United States' gold-medal 1980 Olympic hockey team, was issued a citation today charging him with driving to endanger after an accident on a rain-slicked highway that left one woman dead and another critically injured, the police said. Margaret Curry, 29 years old, of New Bedford, Mass., a passenger in the car that was involved in a collision with Craig's car, was killed. Another passenger was hospitalized in critical condition and the driver of the other car was treated at a hospital and released. The police said there was no indication that Craig had been drinking. Craig, 24, who was alone in his car, refused medical treatment. Craig, a resident of North Easton, Mass., played with the Boston Bruin farm team at Erie, Pa., last season.
Asked in Insurance, Auto Insurance Claims, Liability Insurance, Auto Accidents, Transportation Accidents
In a vehicle accident with property damage whose insurance is responsible the driver's or the owner's?
The registered owner is only required to furnish liability insurance. If the owner does not have sufficient coverage (liability, comprehensive or collision), then the driver's policy would invoke as secondary coverage. It's not nice to borrow someones vehicle, wreck it and then claim ""not my responsibility". after all, you did borrow the vehicle.