When you are involved in a
car accident with just one other car, it is probably going to end up being a pretty straightforward and clear-cut process. You will file your police report, file your claim with the insurance company, and prove that the other driver is responsible. But what happens when it is a multi-car accident? Do you take the same steps?
Who is Responsible?
Most times, the person who hits another vehicle from behind is often deemed responsible for the accident. The assumption in these cases is the car in the back was unable to maintain a safe distance from the other car, and it resulted in an accident. However, when there is more than one car, liability is much harder to prove.
A multi-car accident is a chain reaction, and you must determine what action set off the chain in the first place. Were the other drivers involved speeding or following the other car too closely?
The police report is just one way people can try to prove fault. Everyone will be able to file their report and tell the details of what happened. The officer can then get a better picture of what may have happened after all the details from the other drivers have been documented.
In multi-car accidents, 100 percent of the fault might also not fall on just one particular driver. Instead, one driver may face 80 percent of the fault, while another driver picks up the remainder. But again, the police report, as well as the insurance adjuster's investigation, can help determine fault and the percentage of that fault for each driver involved.
Record Your Account
Like with any other accident, you will want to make a record of what happened as well as take pictures of the area, the other cars, your own vehicle, and anything else that may be able to help your case. With larger accidents, it is increasingly important to document your own side of the events for your insurance claim.
Insurance Coverage for Multi-Vehicle Accidents
While determining fault in these kinds of accidents can be difficult, you will also find that the damage can also end up being more extensive than it would if it were just one other car. The vehicle may be struck more than once causing far more damage in different areas of the vehicle. It is also more likely that more serious injuries can occur as a result of the accident as well.
Therefore, you want to make sure that you always carry adequate liability coverage as well as an umbrella policy to cover you in the case of extensive damage and injuries. Your liability insurance will be able to pay any costs for your percentage of the blame for the accident in the case of an injured party suing you for damages.
Final Thoughts
To avoid becoming involved in a multi-vehicle crash, you should exercise caution while driving. Maintain a safe following and braking distance from the vehicle in front of you, pay attention to your surroundings and heed any warnings regarding the road conditions.
