Single Vehicle Accidents in Florida
In the unfortunate event you are involved in a single car accident in Florida, you might have a better chance of securing money from the insurance company, as Florida is a "no-fault state".
What is a single vehicle accidentSome cases of single vehicle accidents could be hitting a guardrail alongside the road or driving in a ditch. Also, circumstances of automobiles spinning out or rolling over. In general, any type of accident that does not involve another car is a single vehicle accident.
What happens after a single vehicle accidentIf the accident scene attracted the attention of law enforcement personnel, a police report will exist. As the accident involves only one driver, he or she is almost always considered to be at fault. This will have a negative effect on his or her insurance.The insurer can decide to raise the policy premium or even drop the insurance.
If the accident scene was not visited by the police and the accident is minor, the driver can decide to not declare the accident. However, that means that he/she will sustain any repair costs or medical bills.
When it comes to auto insurance, Florida is a no-fault state. In "no-fault states", drivers have to carry auto insurance that pays personal injury protection benefits. They can also carry property damage liability and additional, optional coverage as the one for bodily injury liability. Thanks to these regulations it may be easier to secure money after a single-vehicle accident even if the driver was at-fault.
When is the Driver Not at Fault?In some accident situations the driver could be considered not to be at fault:
When flying objects hit a vehicle. For example, a material as wood or tire flies from another vehicle or a tree branch falls on the automobile.
When the driver was forced to crash by another driver's actions. Technically only one driver is involved in the accident. However, the accident is determined by another's actions.
When the driver believes that the accident was caused by a sudden machinery failure in the car, he/she can escape accident liability. Moreover, the driver can make a claim against the responsible parties.