I. General Information about Motor Vehicle Accidents
II. What to do if you are in an accident
         A. Immediately after the accident
         B. When the police get to the accident
         C. Soon after the accident
         D. Later
III. Theories of Liability
         A. Negligence
         B. Recklessness
         C. Third Parties
                  1. Drunk Drivers
                  2. Product Manufacturers
                  3. Automotive Technicians
                  4. Government Entities
         D. General Conclusion
IV. Injuries and Compensation
         A. Damages
         B. Damages for Family Members
         C. Insurance
         D. Amount of Compensation
         E. Injuries and Compensation Conclusion
V. Insurance Claims Tips
VI. Uninsured or Underinsured Drivers
         A. Uninsured Drivers
         B. Underinsured Drivers
         C. Collecting Damages
         D. Uninsured or Underinsured Drivers Conclusion
VII. No-Fault Insurance
         A. A No-Fault Insurance System
         B. Choice No-Fault
         C. A No-Fault Insurance Policy
         D. No-Fault Insurance Conclusion

Theories of Liability

Negligence

Deciding whether a driver was negligent in a motor vehicle accident can be difficult.  Sometimes you may feel that another driver, a cyclist, or a pedestrian didn’t use a reasonable amount of care, but you may not know exactly which rule or rules he or she broke.  An experienced personal injury lawyer will be able to help you determine if another person was negligent.  The attorney will consider many sources, including state traffic laws, police reports and the statements of witnesses to the accident.

Courts consider many variables in making a determination that a driver or another person was negligent.  These variables may include:

• Failing to follow traffic signs and signals
• Disobeying traffic laws
• Driving on the wrong side of the road
• Neglecting to signal a turn
• Driving faster or slower than the posted speed limit
• Ignoring traffic or weather conditions
• Driving while under the influence of alcohol or other drugs

Recklessness

A driver may also be held responsible for an accident if he or she acted recklessly.  Reckless driving is driving unsafely, with “willful and wanton disregard” for the possibility that such action will cause an accident.  Reckless drivers intentionally disregard the possible consequences of their actions while driving.  For example, a driver may be found reckless if he or she threatens or harasses another person while driving out of “road rage” and causes an accident.  Road rage is defined as “an assault with a motor vehicle or other dangerous weapon by the operator or passenger(s) of another motor vehicle or an assault precipitated by an incident that occurred on a roadway.”  Criminal charges may also result.

Between 1990 and 1997, almost 13,000 people were injured or killed in car accidents that were caused by aggressive driving, according to studies by the National Highway Traffic Safety Administration (NHTSA) and the American Automobile Association.  Another NHTSA study shows that dangerous driving by others, including speeding, is considered a threat by 60 percent of drivers.  Approximately 30 percent of these drivers felt that their personal safety, or the safety of their families, was threatened in the past month.  Sixty-seven percent of these drivers felt that their safety was threatened during the past year.

Aggressive drivers are those who speed, tailgate, move quickly from lane to lane, flash their headlights excessively and use other dangerous driving techniques.  Police officers and traffic safety officers are increasing efforts to catch and punish these aggressive drivers.  Aggressive driving is defined by the NHTSA as “a progression of unlawful driving actions,” such as:

• Speeding, which can be either going faster than the posted speed limit or driving too fast for current conditions
• Improper passing by either failing to signal, using an emergency lane to pass, or passing on the shoulder of the road
• Improper or excessive lane changing
• Failing to signal a turn
• Failure to yield to oncoming traffic

The NHTSA offers the following tips on how to avoid an accident with aggressive drivers:

• Get out of their way; do everything in your power to get out of the way of an aggressive driver
• Don’t let your pride get the better of you; don’t challenge the aggressive driver by speeding up or trying to hold your place in your travel lane
• Avoid eye contact; sometimes looking at an aggressive driver can make them even angrier
• Avoid gestures; ignore any rude gestures made towards you and don’t make any gestures yourself
• Report seriously aggressive drivers to the police.  Remember to pull over to the side of the road, however, if you use a cell phone.

Third Parties

Drunk Drivers

In the past year, over one million people were injured in alcohol-related motor vehicle accidents and every 30 minutes, someone in the US dies in an alcohol-related accident.  In a drunk driving accident, the drunk driver will be held responsible for the injuries and damages that he or she caused.  In addition, in many states, a bar or a person who hosted a social event or party may also be responsible for these damages if they served alcohol to a patron or guest who was obviously intoxicated.  However, holding the bar or host responsible doesn’t relieve the drunk driver from their obligation to pay for the damages.  There are many laws covering liability and an experienced personal injury lawyer will use these laws to take into account everyone who may be held liable for your injuries, including people or business that you might not have considered.

Product Manufacturers

Sometimes motor vehicle accidents aren’t caused by either driver involved, but by a defect or malfunction in one of their automobiles.  If this type of accident occurs, the manufacturer or the supplier of the automobile or automobile part may be held responsible under the law of “products liability.”  Products liability law governs lawsuits brought by consumers against sellers of a product for selling a defective product, which caused an injury to the consumer.  Manufacturers that create a defective product, either in the designing, manufacturing or labeling stages, can be held responsible for the injuries caused by the product.  Under the law of products liability, it doesn’t matter if manufacturers are negligent or not, they are still responsible for any injuries caused by their defective product.

Automotive Technicians

Another situation in which the drivers in a motor vehicle accident may not be held responsible for the accident is where an auto technicians didn’t correctly repair one of the vehicles and the improper repair caused the accident.  If an incorrect repair job caused an accident, the auto mechanic may be found negligent.  If the auto mechanic is negligent, the mechanic and his or her employer may be held responsible for the injuries and property damage that the accident caused.

Government Bodies

Variables unrelated to the drivers or vehicles involved in the accident may also contribute to an accident.  These factors may include poorly designed or maintained roads, broken traffic signals, road construction, or obstructions that make it difficult to see the road properly, such as signs, bad lighting, trees or utility poles.  If one of these variables causes an accident, government bodies that control these things may be held responsible for any damages.  However, there are special rules involved in suing the government.  An experienced personal injury lawyer will be aware of these rules and will be crucial in enabling you to win your lawsuit.

General Conclusion

No matter what the situation is with your accident, it is crucial to the eventual success of your lawsuit that you take steps to investigate your accident, protect evidence, and obtain the professional opinion of doctors or other experts about any injuries or damages that you have suffered.  If you have been in a motor vehicle accident, a personal injury lawyer will be able to assist you with all of these things.  An experienced personal injury lawyer will also be able to decide the best method to help you recover compensation for your injuries or property damage.

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