A single-car accident can be a distressing and challenging experience. When you’re involved in such an incident, one of the first questions that may arise is whether you can recover compensation for your losses. There are various factors that determine whether you can seek compensation after a single-car accident.
Fault Determination
Texas follows a “fault” system for car accidents, meaning the party responsible for causing the accident is liable for the resulting damages. In a single-car accident, the driver is typically considered at fault, unless external factors beyond their control caused the crash, such as severe weather conditions, sudden animal crossings, poor road conditions, equipment defect on your car or, negligent operation of other vehicles that caused your single vehicle collision.
Insurance Coverage
Texas law requires drivers to carry liability insurance, which covers damages and injuries to others when the policyholder is at fault in an accident. However, liability insurance does not cover the policyholder’s own vehicle damages or injuries. To recover compensation for a single-car accident under your insurance policy, you would need additional coverage, such as collision or comprehensive insurance.
Uninsured/Underinsured Motorist Coverage
Uninsured/underinsured motorist (UM/UIM) coverage is also required in Texas, and it can be crucial in a single-car accident scenario. If you are involved in a hit-and-run or the at-fault driver is uninsured or underinsured, your UM/UIM coverage can help compensate for your injuries and damages.
Product Liability Claims
If your single-car accident was caused by a vehicle defect, such as faulty brakes or a defective part, you might have a product liability claim against the vehicle manufacturer or distributor. This legal avenue allows you to seek compensation for damages resulting from a defective product.
Premises Liability
In some instances, a single-car accident may occur due to hazardous road conditions, inadequate signage, or poor maintenance of private property. If the accident happens on someone else’s property and their negligence contributed to the crash, you may pursue a premises liability claim against the property owner.
Government Liability
If the single-car accident resulted from a road defect or poor maintenance of public property, such as a poorly marked hazard or a neglected roadway, you may have a potential claim against the government entity responsible for maintaining the road.
Recovering compensation after a single-car accident in Texas depends on various factors, including the circumstances of the accident, the presence of external factors, the scope of your insurance coverage, and potential liability claims. To understand your rights and explore the best course of action, it is advisable to consult with an experienced personal injury attorney in Texas. They can guide you through the legal process, protect your interests, and help you pursue the compensation you deserve based on the specifics of your single-car accident case.
Contact Springer & Lyle
For more information or to schedule a free consultation, contact us at 940.387.0404. Springer & Lyle is located at 1907 Westminster, Denton, TX 76205.
