All car accidents are complex situations. However, multi-vehicle accidents in central Florida are particularly complicated. Liability can be difficult to prove and you may struggle to receive compensation for your injuries.
If you can determine who is responsible for the accident, you may be able to receive money for your expenses. You can go through the other driver’s insurance or file a personal injury claim against them. With the guidance of a car accident lawyer, you can determine who caused the accident and take the necessary steps to receive compensation. Abercrombie, P.A. can take you through the process.
Determining Liability in Multi-Vehicle Accidents
Liability is one of the most important details regarding your accident. If you are the only one liable for the collision, you must go through your own insurance. However, if one or more people were responsible for the crash, you may be able to go through their insurance or file a lawsuit against the negligent party.
In accidents only involving two vehicles, determining liability is relatively simple. It’s likely that you witnessed the accident and you know what caused the collision. For example, you may have seen the other driver texting while they swerved out of their lane and into you.
Multi-vehicle collisions are unique in that a chain reaction caused the crash. You may not have even seen how the accident started. Furthermore, several other drivers could be to blame for the collision. One could have been distracted while another driver was speeding. There may be several degrees of fault.
Because there are so many contributing factors in a multi-vehicle accident, comparative negligence comes into play. An injured driver can seek compensation, but not from a single party. Instead, each negligent party pays a percentage of the fault.
The injured driver can seek compensation even if they contributed to the accident. But they can only receive a percentage of the damages. The court or insurance adjuster will subtract an amount equivalent to their percentage of fault from the total damages.
If the insurance company is handling the claim, they will look at all the evidence. They read the police report, medical records, and other reports. Then, they decide which drivers are liable for the accident. If their findings aren’t in your favor, they may not approve your claim.
Other Challenges of Multi-Vehicle Crashes
Liability isn’t the only factor that makes multi-vehicle collisions complicated. Adding to the confusion is the high cost of injuries and vehicle damage. It’s likely that several drivers and passengers experienced injuries in the accident. Therefore, the insurance payouts tend to be very high.
This could mean the insurance coverage is not enough to cover all of the medical bills and property damage. Once the policy limit is reached, there’s no more money left to cover remaining expenses. You could have significant expenses leftover.
In Florida, drivers are not required to have bodily injury liability insurance. If you don’t have this type of coverage and are liable for the accident, you could be responsible for paying the bills of other involved individuals. They could sue you for their bills, which could take money from your assets.
A final complication comes in the form of uninsured motorists. Unfortunately, central Florida is home to many uninsured drivers. They don’t have any car insurance, which puts themselves and other drivers in a bad position. If a multi-vehicle collision happens, they have no way of paying the injured parties.
Uninsured motorist protection is available through your insurance. If you have uninsured motorist coverage, your policy will kick in and pay for your expenses. You may also have another option. If you work with a lawyer, you can file a personal injury lawsuit against the uninsured driver.
Working with an Attorney
In central Florida, car accidents are becoming more common. Between 2016 and 17, the car crash rate rose by 14.79% in Polk County. Many of the accidents involved multiple vehicles.
Making sense of a multi-vehicle crash can be mind-boggling. There are many factors to consider. With an attorney standing by you, the process becomes easier. You can find out who is at fault, how to handle the insurance company, and what you need to do to file a personal injury claim.
Abercrombie, P.A. is ready to represent you. Our firm has handled many types of accidents, including multi-vehicle collisions. Contact us today and we can start working on your case.