Wednesday, August 24, 2011

Auto Insurance & Accidents - Determination of Fault Makes All the Difference

Sometimes it happens that you are found at fault when in fact you know the other person caused the accident. In most states this will impact you auto insurance premium in the following year, and it could lead to a big increase in the premium. You should consult a lawyer and get sound advice as taking action to sort out the mess could cost you more in the long run.

Just yesterday I was driving on a busy highway. In the far right lane there were a lot of trucks. I was motoring along in the middle lane as I did not feel like messing with the big boys in the fast lane. However, on at least two occasions a truck from the outside lane leaped sideways into my lane with not even a second's warning in order to pass a slower truck.

On both occasions, the truck drivers appeared to take no account of my presence beside and slightly behind them which meant I had to brake quickly or jump to the left, assuming there was a space. It was all rather scary.

Then, suddenly, the traffic ground to a crawl and there on the side of the road was a small grey car with the whole front ripped off like orange peel, the motor exposed. The airbags had all blown and a dazed driver, rather remarkably, stood beside the car trying to use his mobile phone. A few feet away, the other vehicle, a truck, sat largely undamaged.

I felt very sorry for the driver of the car as he was likely to be found at fault, but he was probably the innocent victim of bullying behavior from the truck driver.

Was there any point in him suing? His lawyer would be the person to advise him on that matter. I did not see the accident happen, but no one else had stopped to assist or act as a witness. Without a witness to the possible bad behavior of the truck driver, there was probably no chance of the car driver being found innocent as he had hit the truck from behind.

This type of incident happens more often that we would like to think. If you find yourself in a similar position and you know you did not cause the accident, seek legal advice. We all want to maintain affordable auto insurance but, without a credible witness, it is a tough battle to fight this type of accusation.

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