Practice Areas: Auto Accidents

Accident Law: Overview

Every year millions of people are injured in motor vehicle accidents – many very seriously. In fact, according to the National Highway Traffic Safety Administration, every 10 seconds someone in the United States is involved in a car accident. In 2000, there were an estimated 6,279,000 police reported traffic crashes, in which 41,611 people were killed and 3,236,000 people were injured. Other startling facts are as follows:

Motor vehicle crashes are the leading cause of injury death in the United States for people ages 1-34.

Motor vehicle crashes took the lives of 5,606 teenagers and 2,027 children in 1999. Older adults, as a group, are also at higher risk of dying from motor vehicle crashes.

In the United States, 5,220 pedestrians died from traffic-related injuries and another 69,000 pedestrians sustained non-fatal injuries in 1999.

In 1999, 38% of traffic fatalities were alcohol related; either the driver or an affected person (e.g., a pedestrian or a bicyclist) had a blood alcohol concentration of at least 0.10 gram per deciliter (g/dl).

At we use our experience in handling accident cases to investigate every possible contributing cause of an accident to ensure that you will receive full compensation for your injuries. Evaluating all of the facts involved in the cause of a motor vehicle accident requires skill and experience. Our office will take over the investigation of your case so that you can concentrate on recovering from your injuries. We can assist you in finding an appropriate medical specialist to treat you, and we can make arrangements with your medical care providers to wait for payment until your case is resolved through settlement or trial.

Automobile accidents are generally decided using the law of negligence. A person who negligently operates a vehicle may be required to pay any damages caused by their negligence, either to person or property. Generally, people who operate automobiles must exercise "reasonable care under the circumstances." Failure to use reasonable care is the basis in most lawsuits for damages caused by an automobile accident.

Courts look to a number of factors in determining whether a driver was negligent. Some examples of these factors include, but are not limited to, the following:

  • Driving too fast or too slow
  • Driving under the influence of drugs or alcohol
  • Failing to signal while turning
  • Disregarding weather or traffic conditions
  • Disobeying traffic signs or signals
  • Failing to drive on the right side of the road

A driver may also be liable for an accident caused by intentional or reckless conduct. A driver who is reckless is one who drives unsafely, with willful and wanton disregard for the probability that the driving may cause an accident.

In certain cases, accidents are caused by factors unrelated to the conduct of any particular driver. For example, under the law of product liability, an automobile manufacturer or supplier may be responsible for injuries caused by a defect in the automobile, or a component of the automobile, as in the Firestone tire litigation. A products liability suit is a lawsuit brought against the seller of a product for selling a defective product that caused physical injury to a consumer or user. If a manufacturer of a product creates a defective product - either in developing, designing or labeling the product - the manufacturer is liable for any injures the product causes, regardless of whether or not the manufacturer was negligent.

In another example, if a mechanic fails to properly repair a vehicle, and the failure causes an accident, the person who improperly repaired the automobile, and his repair shop, may be liable for injuries sustained. Other factors such as poorly maintained roads and malfunctioning traffic control signals can contribute to the cause. Improper design, maintenance, construction, signage, lighting or other highway defect, as well as improper striping on the road's passing lanes, a sharp obstruction or problem with the roadway that obstructs drivers' vision, or poorly placed trees and utility poles can also cause serious accidents. Finally, if an accident is caused by an intoxicated driver, a bar or social host may be liable for damages sustained if they served an obviously intoxicated guest, who then drives and causes an accident.

In all automobile accident cases it is essential that measures be taken promptly to preserve evidence, investigate the accident in question, and to enable physicians or other expert witnesses to thoroughly evaluate any injuries. If you or a loved one is a victim of an automobile accident, call now at or Confidential Contract. The initial consultation is free of charge, and if we agree to accept your case, we will work on a contingent fee basis, which means we get paid for our services only if there is a monetary award or recovery of funds. Don't delay! You may have a valid claim and be entitled to compensation for your injuries, but a lawsuit must be filed before the statute of limitations expires.

Accident Law: FAQ

Can I control whether my car is repaired or replaced?

This can be a difficult issue. For most people, getting back into their own vehicle, so long as it is safe, it a priority. Normally, the insurance company has the option to either repair or replace your vehicle, depending on whether it costs less to replace your vehicle than to repair it. If this is the case, the insurance company will declare your vehicle a "total loss," and take action to replace your vehicle. If your car is declared a "total loss," the insurance company buys your car for its market value (see below), which can be difficult to determine. If you wish to keep the wrecked car, you may purchase it back from the insurance company for its salvage value. The insurance adjuster can deduct the salvage value from the settlement and you can keep the car.

Often the situation is reversed, and the insurance company chooses to repair a vehicle rather than replace it. In this case, if you are concerned about the safety of the repaired vehicle, you should contact our office to discuss your options.

How is the market value of my car determined?

You are entitled to recover the "fair market value" or the "actual cash value" of your vehicle immediately before the accident. One common source used to estimate fair market value is the Kelley Blue Book. Other sources of information are the local newspaper or the Auto Trader, which may list the for-sale price of cars of the same make, model, and year as yours. Occasionally, an expert vehicle appraiser is used to help prove the value of your vehicle.

What if I am "upside down" on the loan for my car?

If you owe more money on the loan for the car than the fair market value of the car, you are "upside down" on the loan. Unfortunately, if your vehicle is a total loss, the insurance company is not required to pay more money to you simply because you are "upside down" with your car loan. They are only obligated to pay the "fair market value" of your car.

Can I choose my own repair shop?

Yes. You always have the right to decide who will repair your vehicle, however the cost of the repair is not always determined by the estimate given by the repair facility of your choosing.

What kind of parts will be used in the repair?

You have the right to demand that only original manufacturer parts be used in the repair, so if your car is a Pontiac, you should receive genuine Pontiac (GM) parts. Since your car was probably not new at the time of the accident, however, the mechanic may use refurbished or reconditioned parts.

What if my car already had some damage before the accident?

If your vehicle had damage to it prior to the accident, it can be difficult to determine exactly what portion of the damage was caused by the accident itself. For example, if your car has a mechanical problem, the insurance company may claim that it existed prior to the accident if some evidence indicates that there was substantial wear and tear. Therefore, it is important that you prove the connection between the auto accident and the damage you are claiming. Ordinarily, mechanics and collision repair personnel can help to prove the age of body damage or the cause of a mechanical failure. They can assist to convince the insurance company that the auto accident caused the damage you are claiming.

Will I have to pay the towing and storage costs?

In most cases, unless there is a dispute as to who was at fault in the accident, the insurance company for the driver who caused the accident will pay the reasonable towing and storage costs (if necessary) of your car. After evaluating the vehicle, if the insurance company declares the car a total loss, they will have the car moved to a wrecking yard or a free storage area. If you refuse to allow the insurance company to move your car, however, you will have to pay the storage costs from the day of your refusal forward, or you can pay to have it towed to your home.

What about license and registration fees that I had to pay to drive the car?

In order to drive your vehicle, you had to pay a tag fee and registration fees. You are entitled to be reimbursed for the prorated amount of these costs that are unused. The insurance company should also reimburse you for tag transfer fees and, in some cases, a prorated amount of sales tax on the actual cash value of the car at the time of the accident.

What if I need a rental car? Do I have to pay for it while my car is being repaired?

If you caused the accident, or if there is a dispute over who is to blame, then you must either pay for the rental car yourself or seek coverage under your own insurance policy if rental coverage is available. Many insurance contracts do not provide for rental coverage for their own customers, so you need to contact your insurance agent to determine what coverage exists. If the other driver is at fault, then we will demand that the insurance company for the person who caused the accident provide you with a rental car for the time needed to repair your vehicle. Sometimes, you must pay the rental car bill first, with reimbursement coming from the insurance company later.

What kind of rental car am I entitled to?

The insurance company has to pay for the reasonably incurred rental cost of a substitute vehicle. Often, there are disputes as to what qualifies as a "substitute" vehicle. Essentially, it should be a vehicle of similar quality, within the confines of what is available for rent.

Should I purchase any extra insurance on the rental car provided to me?

Your own insurance policy should cover you while driving the rental car, but you should call your insurance agent to be sure that you are covered. The other driver's insurance company is not required to pay for additional insurance if you choose to purchase it from the car rental company.

In all automobile accident cases it is essential that measures be taken promptly to preserve evidence, investigate the accident in question, and to enable physicians or other expert witnesses to thoroughly evaluate any injuries. If you or a loved one is a victim of an automobile accident, call now at 877-234-7573. The initial consultation is free of charge, and if we agree to accept your case, we will work on a contingent fee basis, which means we get paid for our services only if there is a monetary award or recovery of funds. Don't delay! You may have a valid claim and be entitled to compensation for your injuries, but a lawsuit must be filed before the statute of limitations expires.

Auto Accidents News

7/1/2006Judge: Lafayette partially liable for injuries
The Advocate 
11/1/2004Collision with road scraper; mother, two children injured; judgment exceeds $800,000
Louisiana Advocates 
7/7/2003Motorcyclists file suit after crashes at same site
Daily World 
7/7/2003Nasty fall on city street fuels Harley riders' suit
The Lafayette Daily Advertiser 

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