Single-vehicle accidents are more common than many realize, often accounting for nearly half of all traffic deaths. They occur when people operate motorcycles, automobiles, and commercial vehicles, so understanding how insurance handles single-vehicle accidents is critical, as is knowing what you should do when you are involved in a single-vehicle accident. The Griffith Insurance LLP team, serving West Chester, PA, is ready to answer your auto and other insurance questions and provide the coverage you need.
Determining Fault in Single-Vehicle Accidents
Pennsylvania is a choice no-fault state, so policyholders can choose whether they want a "no-fault" or "at fault" policy, so there is often the need to determine who is legally responsible for injuries or damages in an accident. The finding of fault leads to financial responsibility for the injuries and damages.
It may seem counterintuitive, but multiple entities can be at fault for single-vehicle accidents. Sometimes, the vehicle operator is found not to be at fault or only partially at fault for an accident. These situations occur when an accident happens due to:
- Weather-related conditions such as ice, snow, or fog
- Potholes, broken pavement, or other road faults
- Hidden street signage
- Hitting an animal or objects falling from other vehicles
- Avoiding a vehicle that negligently enters your path
- Manufacturer or mechanical errors
Obtaining a police report for an accident is essential. Safely documenting the accident scene can help determine fault, so taking pictures or videos that truthfully represent the events contributing to the accident can help identify contributing factors.
Working with Griffith Insurance LLP
For those living in or near West Chester, PA, the team at Griffith Insurance LLP will help you obtain the insurance coverage you need. Stop by the office today or call us at (259) 789-0529 to get started.
