Multiple Vehicle Accidents

While it is somewhat common to hear of single-car accidents (usually the driver runs off the road and hits a tree or other stationary object), most wrecks are multiple vehicle accidents. These accidents present many challenges to the drivers involved because there are usually several insurance companies and the police reports to consider. According to a report issued by the Center for Transportation Research and Education, the most common type of accident on rural roads or highways is rear end collisions. But these are not the only types of wrecks involving multiple vehicles.

Typical Multiple Vehicle Accidents

  • The Chain Reaction: You are sitting at a traffic light and you feel a bump from behind. If you are behind another car, you may in turn hit them. And the wreck may have originated several cars back by a driver that was speeding and failed to stop.
  • The Highway Mishmash: One vehicle gets sideways, runs into another lane or passes improperly. Because some many vehicles may be on the road at any given time, many cars may smash into each other.
  • The Head-on Collision: This usually only involves two cars but can be the most deadly. Many times this is the result of a drunk driver that weaves into the lane of the other vehicle. Airbags have helped save lives but many older vehicles do not have airbags.

Finding Fault in a Multiple Vehicle Accident

The biggest challenge when there is more than one car involved is determining who is to blame. This is important because whoever is at fault is usually responsible for paying for the damages. The police are usually involved in investigating multiple vehicle accidents and may cite a driver. However, the insurance companies are the ones who determine fault for the sake of who pays a claim and how much. The companies have strict criteria for determining fault. The problem is sometimes their ruling differs from what the police determined.

You may feel that you can’t do anything if the insurance company determined you were at fault. But you can appeal the ruling. If that doesn’t work, consult an attorney. An attorney will have his or her own investigators who will look into what happened. Their rulings may be different and their rulings can be used as testimony in court. This can help you recover damages and recoup your expenses after the wreck.

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