The type of accident is really crucial and plays a vital role in the determination of the party that is at fault. For instance, in a lot of rare collision cases, the driver at the back is usually the one at fault as they cannot keep a fair distance.
So, the nature and the severity of the accident damages and injuries are directly connected to the type of accident. Just like that the claims also differ the same way.
A personal injury lawyer in Houston can help a lot with the damages and the legal proceedings in any kind of car accident.
Types of Car Accidents
Car accidents are of different types and can differ in their severity and the damage they cause. Here are the different types of car accidents.
Rear-End Collision
This is the type of accident when a vehicle is hit at the back by another vehicle. This is usually seen happening because of sudden stops, slippery roads, and distracted driving. Some of the common injuries that are seen happening as a result of rare end collisions are head injuries, neck injuries, and mostly whiplash.
According to Sam Dordulian, truck accident attorney in Glendale, A rear-end collision involving trucks shares some similarities with rear-end collisions involving smaller vehicles but also has some distinct characteristics and potential consequences due to the size and weight of the trucks involved. One of the most significant differences is the impact force and severity of a rear-end collision involving trucks. Trucks, especially large commercial trucks, are significantly heavier and larger than passenger cars. As a result, when a truck rear-ends a smaller vehicle, the potential for severe damage and injury is much higher.
Head-On Collision
This is the one that occurs when vehicles touch each other from the front. This usually occurs due to drunk driving, on one-way streets, or wrong-way driving. In severe cases due to the combined speed from both sides, chest, head, and brain injury affects people.
Side Impact (T-bone) Collision
These accidents happen when the side of a car gets impacted by the rare of the front of another vehicle. The common causes for this are not checking the blind spots, running red lights, and failure to yield stop signs.
Single-Car Accident
In this case, only one vehicle is involved. The vehicle might hit a pole, tree, or any other obstacle. This usually happens due to impaired driving, distracted driving, and bad road conditions.
Multiple Vehicle Pile Ups
This involves a few vehicles often on the freeways or the highways. This occurs when the conditions are foggy, one accident ends up in a chain of reactions.
Pedestrian Accidents
This is when a pedestrian is hit by a car. This is due to impaired driving, pedestrians not using the crosswalk, or distracted driving.
Hit and Run Accidents
This is the type where one party hits the other and leaves without saying anything. The causes here are clear, the driver usually does this in fear-impaired driving. The injuries depend on how bad the collision is.
Types of Car Accidents and Their Effect on Claims
Different accidents have varying impacts on the claims but that all depends on the type of accident. Here is a beak down.
Rare End Collisions: A lot of times the fault is of the driver at the back, these can raise the premiums especially if the driver has done the same in the past.
Head-On Collision: These incidents are very much likely to increase the premiums especially if the driver is found to be at fault. The driver’s fault in this case is usually due to impaired driving.
Side Impact (T-bone) Collision: These can be really severe and lead to substantial claims for vehicle repair and medical expenses. However, depending on how bad the injury is and who is at fault, the premium can be significantly raised.
Single-Car Accident: In this accident, there is usually an object that the car hits, so the premiums can increase if the incidents are recurrent.
Multi-Vehicle Pile-Ups: These can get difficult when it comes to the determination of fault. Such accidents can increase premiums but the extent depends on the specifics of the incident.
How Accidents Can Raise or Lower Premiums?
This depends on a number of factors. Let’s have a look.
Fault
In many places, if you stay determined that you are not the one at fault, your premiums might not increase as much, or they can increase less than if you were at fault. \
Type of Claim
Claims like that of hail damage or theft may not raise premiums as much as collision claims do. This is because they are related to the driver’s behavior.
Frequency
A number of minor accidents that occur over a short period can be responsible for increasing premiums which is similar to a single severe accident.
Severity
More severe accidents often result in large claims that can raise the premiums.
Final Word!
After knowing the types of accidents, it is best to focus on the ways these accidents can be avoided. These can be reduced if speed limits are followed well, road signals are given importance, and by controlling the use of mobile phones. The maintenance of your vehicle also holds great significance when it comes to getting yourself saved from accidents. So, make sure to keep your vehicles maintained in order to stay away from accidents and claims altogether.
