Although we often think of automobile accidents as involving more than one vehicle, single-vehicle accidents account for 55% of Maryland crashes. That number makes it vital that you understand what to do if you are involved in a single-vehicle accident and how insurance coverage works in those situations. Our team at Carrie Polk Insurance Inc., serving Prince Frederick and Waldorf, MD is here to answer your insurance questions and ensure you have the coverage you need.
Understanding Fault In Single-Vehicle Accidents
Some states follow the no-fault approach to motor vehicle accident liability. That is, everyone involved in an accident relies on their own insurance to cover costs related to an accident. However, Maryland is an at-fault state, meaning we determine who is at fault for each accident and that drives who pay the accident’s costs.
Determining fault applies to both multi-vehicle and single-vehicle accidents because the driver is not automatically at fault for a single-vehicle accident.
Factors other than the driver that may contribute to a single-vehicle accident include:
- Bad weather
- Road conditions or unkempt rods
- Hidden road signage
- Obstacles or animals on the road
- Faulty vehicles
- Other drivers’ negligence
As with any accident, you should obtain a police report and safely document the accident scene, including the factors mentioned above, because that information may contribute to determining fault. In addition, if it is determined that others contributed to a single-vehicle accident, they may be required to compensate the accident victims.
Working With Carrie Polk Insurance Inc.
Your friendly team at Carrie Polk Insurance Inc., serving Prince Frederick and Waldorf, MD, is ready to address all your insurance needs, including automobile insurance. So give us a call or stop in today to ensure you are appropriately covered while driving Maryland’s roads.
