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Got a new or leased vehicle? You might have to pay out big if it's wrecked
Car insurance policies are complicated, and all the more so when covering financed and leased vehicles. Here is what you need to do to protect your financial assets if you drive one.
statistics on distracted driving
It should not be a surprise to anyone anymore - distracted driving is a factor in one out of four car accidents. Whether its from texting, talking on the phone, using GPS, eating, or parenting, distractions while driving are deadly behaviors. Here are latest statistics on this epidemic problem from Bellingham, WA lawyer Bill Coats.
Passengers injured in a car accident have unique concerns about recovery
Every time motorists accept a passenger into their vehicle, they form an upspoken agreement that they’ll both do what it takes to make the drive a safe one. Yet it is the driver’s ultimate responsibility to maintain the passenger’s well-being as long as that person is a passenger. Reckless, negligent driving – including drunk, drugged, or distracted driving – puts everyone in danger, especially those who are not in the driver’s seat. In case of an accident those behaviors cause or contribute to, the passenger retains the right to hold the driver liable for damages and losses that result. Injured in a car accident in which you were the passenger? Click for more information.
I was the passenger in a car accident, what do I do?
Every time motorists accept a passenger into their vehicle, they form an upspoken agreement that they’ll both do what it takes to make the drive a safe one. Yet it is the driver’s ultimate responsibility to maintain the passenger’s well-being as long as that person is a passenger. Reckless, negligent driving – including drunk, drugged, or distracted driving – puts everyone in danger, especially those who are not in the driver’s seat. In case of an accident those behaviors cause or contribute to, the passenger retains the right to hold the driver liable for damages and losses that result.Click to learn more about car accidents in which the passenger was hurt.
Who pays after a car accident?
What happens if the at fault driver doesn't have enough insurance? In many states including Washington, all motorists are offered underinsured or uninsured motorist protection by their insurance company. So if the at fault driver doesn't have enough money to pay a full, fair settlement, you can turn to this part of your policy to file your claim. However, there are rules and special circumstances that may apply so it's best to talk to a lawyer before you file an uninsured or underinsured motorist claim. Click this video link to learn more about who pays after a car accident.
Pedestrian vs. Driver - who's at fault?
It’s unavoidable that motor vehicles and those on foot have to share the same roads sometimes. Almost every time that a collision occurs between them, the pedestrian receives far more damage – and sometimes dies – while the driver is unhurt. However, does this mean that it’s the driver who is also usually at fault? Sometimes it’s very clear who is at fault, such as in cases that involve drunk or distracted driving, or other illegal behaviors. Other times, it’s not so cut and dried. So how is fault determined in car accidents with pedestrians? Several factors come into play.
Things not to say if you're pulled over for distracted driving
In the State of Washington, you can be pulled over if an officer thinks you're driving while distracted - even if you are doing everything else right. This is because this behavior is so incredibly dangerous - as much if not more so as driving drunk. For recent research on how risky distracted driving is and what not to say if you're busted for it, click here.
Here's one rule you need to be aware of before you settle your claim
There are lots of elements of a car accident claim that come into play when you try to file one. Some of them are obvious, and others are just big surprises. Attorney Bill Coats in Bellingham, Washington created this video to talk about one rule that could completely negate your claim if you exercise your right to file an uninsured/underinsured motorist claim. Be clear on your rights and responsibilities before you sign anything, and watch this video to learn more.
One clients story of how this Bellingham, WA lawyer helped him recover after a car accident
If you have been injured in a car accident that wasn't your fault, it can help to hear that you're not alone. That you do have options, and there are ways to recover some of what you lost financially. It takes money to be able to recover from serious injuries including bone fractures, like this car accident victim hit by a distracted driver. Sometimes your best option is to seek legal expertise to make sure you receive a fair settlement for your damages and losses. Here is one client's story.
When a train is involved, Bellingham wrecks usually have catastrophic results
Here in Bellingham and all through Whatcom and Skagit Counties, we share space with trains. Unfortunately, accidents happen. Sometimes it’s a defect in the track. Other times, equipment failure. Sometimes a crash is due to a driver’s error. Railroad companies will hire a team of private investigators to assess train crossing accidents, and are ready to employ them at the scene of any accident. Because of the nature of these collisions, the unfortunate fact is that most train accidents have tragic results. It may be that you must file a wrongful death lawsuit in order to receive money the train company does not want to pay. Depending on the circumstances of your case, you may be eligible to receive a significant settlement for the both economic and non-economic damages. It’s an enormous challenge to have to advocate for yourself or your loved ones after such a crisis, and the last things you need after this kind of accident are long negotiations and battles with the railroad company. If you are involved in an accident between a car and a train, you may want to discuss your legal options with a lawyer before trying to fight the railroad companies alone.