You need our New York Auto Insurance to keep your family safe both on and off the road!
1/10/2012 12:00:00 AM
If you are the most careful driver on earth, that still doesn’t mean you can avoid every accident on the road. The unpredictable is scary to think about, but learning from the experience will make you stronger. If you are involved in a car accident, do you know how to handle the situation? It is important to know what needs to be done and one part of this is having the right kind of coverage plan.
According to MSN Money, bad drivers are everywhere and typically get what they deserve, whether that is a ticket or fender bender. However, what about bad parkers? It may sound surprising, but a poorly parked car can be held liable, either by an auto insurance company or in a court of law.
To understand what exactly defines a badly parked car, the following are two scenarios to consider as to who should assume some responsibility:
• A public parking lot is full, and a large van has pulled to the side of the lot's exit lane to park. A driver leaving the lot -- his attention focused on cross traffic -- scrapes the side of the van as he turns onto the street. Clearly, the van should not have been parked there. So is the van's driver partly to blame for the accident?
• A driver pulls to the side of a rural roadway to make a phone call. The speed limit is 50 mph, and the road lacks a wide shoulder. The car extends slightly into the driving lane just past a curve. Another car comes around the bend and, unable to stop or veer into oncoming traffic, hits the parked car from behind. Should the parked driver pay?
One simple way to assess blame is to ask, "Was this parking violation creating an inconvenience or a safety hazard?" says George P. Patterson, a lawyer with Sasscer, Clagett & Bucher in Maryland. If it's the former, as with the van in the parking lot, the driver certainly may be cited for illegal parking, but likely won't be held accountable for the accident.
"When you're driving your car and you can see it, it's really on you to avoid it," says Patterson. However, the car parked along the bending highway is clearly violating a no-parking rule that exists for safety reasons. In that situation, the parked driver's car insurance company may end up paying all or part of the damages. Drivers have a duty to move their cars off the road to the best of their ability, particularly where other drivers would not expect to encounter a parked vehicle.
If you hit an unoccupied car, most states require that you find the owner or leave a note so he or she can contact you. Tell your own insurance company exactly what happened. Your car insurance liability coverage will pay for damages to the other driver's car if you're determined to be at fault.
In all of these situations, a common theme remains, that you need to communicate and be honest with the other person in the accident. Whether an accident results from recklessness or unpredictably, it needs to be solved and paid for no matter what. Therefore, to avoid high payments, Hamlin, Robert & Ridgeway wants you to have our New York auto insurance for protection!
The quality of the policy you receive is totally up to you, for we are here to guide you step by step through the process. We will assess the risks you are exposed to in order to determine the proper match. In addition, we provide options such as collision, property damage liability, medical injury, and much more. So don’t wait any longer, get the protection you deserve with our New York auto insurance!
*
According to MSN Money, bad drivers are everywhere and typically get what they deserve, whether that is a ticket or fender bender. However, what about bad parkers? It may sound surprising, but a poorly parked car can be held liable, either by an auto insurance company or in a court of law.
To understand what exactly defines a badly parked car, the following are two scenarios to consider as to who should assume some responsibility:
• A public parking lot is full, and a large van has pulled to the side of the lot's exit lane to park. A driver leaving the lot -- his attention focused on cross traffic -- scrapes the side of the van as he turns onto the street. Clearly, the van should not have been parked there. So is the van's driver partly to blame for the accident?
• A driver pulls to the side of a rural roadway to make a phone call. The speed limit is 50 mph, and the road lacks a wide shoulder. The car extends slightly into the driving lane just past a curve. Another car comes around the bend and, unable to stop or veer into oncoming traffic, hits the parked car from behind. Should the parked driver pay?
One simple way to assess blame is to ask, "Was this parking violation creating an inconvenience or a safety hazard?" says George P. Patterson, a lawyer with Sasscer, Clagett & Bucher in Maryland. If it's the former, as with the van in the parking lot, the driver certainly may be cited for illegal parking, but likely won't be held accountable for the accident.
"When you're driving your car and you can see it, it's really on you to avoid it," says Patterson. However, the car parked along the bending highway is clearly violating a no-parking rule that exists for safety reasons. In that situation, the parked driver's car insurance company may end up paying all or part of the damages. Drivers have a duty to move their cars off the road to the best of their ability, particularly where other drivers would not expect to encounter a parked vehicle.
If you hit an unoccupied car, most states require that you find the owner or leave a note so he or she can contact you. Tell your own insurance company exactly what happened. Your car insurance liability coverage will pay for damages to the other driver's car if you're determined to be at fault.
In all of these situations, a common theme remains, that you need to communicate and be honest with the other person in the accident. Whether an accident results from recklessness or unpredictably, it needs to be solved and paid for no matter what. Therefore, to avoid high payments, Hamlin, Robert & Ridgeway wants you to have our New York auto insurance for protection!
The quality of the policy you receive is totally up to you, for we are here to guide you step by step through the process. We will assess the risks you are exposed to in order to determine the proper match. In addition, we provide options such as collision, property damage liability, medical injury, and much more. So don’t wait any longer, get the protection you deserve with our New York auto insurance!
*