Scenarios in Multiple Car Accident and Insurance Issues

If you’ve been involved in multiple car accidents, you should know by now that insurance issues can be quite a hassle.
But what about if you were involved in a multi-vehicle car crash with tons of other irate if not, negligent drivers, what are the insurance issues you may likely face?

Here is an overview of the likely scenario you’d be facing in multiple car accident and insurance issues:

• As compared to a solo vehicle crash, it is more difficult to determine the liability of the parties in a multi-car accident. Each driver would have different versions of the accident and there is more evidence to take note of. So it is very important to obtain a police report if you are ever involved in one, especially if you would need to seek compensation or damages later on.

• Here are two important things to remember after a multi-vehicle crash: 1. Do not admit fault even though you think it is. 2. Get medical attention immediately if you incurred injuries no matter how small or insignificant. Both would weigh greatly when filing for insurance compensation or in a car accident complaint.

• The fault or liability in a multiple car accident can be determined in two ways: comparative negligence and contributory negligence.

• Under contributory negligence, the injured person could only recover compensation for his/her injuries and damages if they did not contribute to the accident in any way. Thus, even if you crashed because you failed to avoid a pile-up in front of you due to your speeding, you can no longer recover compensation for any damages you incurred.

• Under the second scenario in comparative negligence, liability will be weighed in proportion to how the parties’ actions caused or contributed to the accident. Thus, the injured party may still recover damages depending on how much he can be considered liable for the accident. Damages may also be reduced or increased and even prohibited on the basis of one’s fault.

It can be difficult to recover monetary compensation from your insurance company as well as the other party in accidents like this. If you were involved in a multiple car accident and are either being blamed wholly for it or having difficulty in receiving reimbursement, consult with a car accident attorney in your area. As multi-vehicle accidents happen often, they will be well-versed in determining and proving your lack of fault or at least, reducing liability in such instances.