Many collision accidents involve vehicles, but there are cases where a car crashes into a fixed object. For example, your car may collide with a road sign, construction equipment, or a trash can. Since you cannot blame the object for the accident, the liability lies with the driver or another party. Here are some frequently asked questions about a collision with a fixed object.
What Should You Do If You Collide with a Fixed Object?
The first thing you need to do is report the incident to your insurer. You should also call your auto accident attorney to help you gather evidence. Also, get the contact information of eyewitnesses, take pictures of the scene, and record the events that led to the incident.
If the crash was because of the road conditions, report the problem to the relevant governmental authority. Similarly, if your crash is related to a mechanical defect or failure, leave the car to be towed by a mechanic for a thorough inspection. Never drive away from the scene of the accident, even if it was not your fault.
Will My Insurance Cover It?
Collision insurance covers the damages to one's vehicle, while a non-optional liability policy only deals with damages to another vehicle. Many car accidents fall under the collision insurance policy. Many drivers have this policy and are, therefore, catered for in the event of a collision accident.
Determine whether or not to make a claim based on the extent of the damages and your deductible. If the damages are more than your deductible, you should make a claim. However, remember there is a high possibility that filing a claim will increase your premium rates. You should consult your auto accident attorney for advice on whether or not to proceed with a claim.
Who Can Be Held Liable for a Collision with a Fixed Object?
Liability for a collision with a fixed object may lie with another driver. For example, a drunk driver who heads toward oncoming traffic can cause you to swerve to avoid a collision and strike a fixed object like a tree or road sign. In such a scenario, the drunk driver will be held responsible for the accident.
Government entities can also be liable for these collisions if an accident arises because of the poor condition of the roads or improper signage. Other liable parties include an auto manufacturer because of a vehicle's design defects and a drug manufacturer due to the side effects of prescription medication.
To learn more about cases like these, contact a car accident lawyer near you.