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5 Types of Car Accidents and How They Impact Insurance Claims

You were recently involved in a car accident and are unsure what would happen next. You’re also confused about who’s responsible for causing the accident, and you don’t know how to determine liability either. The truth is that auto collisions and wrecks are much more complex than you think. It’s important for individuals involved in a car accident to understand their options and the steps they can take to seek compensation for any damages or injuries sustained. Our San Diego car accident attorneys want to cover the different types of accidents and how they can impact insurance claims.


Types of Car Accident Claims #1 – Liability Claim
In a liability claim, it’s necessary to prove that the at-fault driver was negligent in causing the accident and the resulting injuries. This may involve presenting evidence such as witness statements, police reports, and medical records. This is the most common type of car accident. Let’s say you were driving your car one day, and someone else struck you, which makes them 100% at fault. You also could’ve been a pedestrian when a vehicle ran into you. Whatever the situation, you can file a traditional liability claim to recover compensation. Keep in mind that liability claims require you to prove that the at-fault driver was negligent in causing your injuries. This is just one of several reasons why you should work with an experienced personal injury lawyer in San Diego to help you on every claim.


Types of Car Accident Claims #2 – Third-Party Claim
A third-party claim allows individuals to pursue action against someone indirectly involved in the accident, such as a bar or restaurant that served alcohol to the at-fault driver. However, these types of claims can be complex, and it’s important to understand the specific laws and regulations in your state. A “third-party” claim is valid when you can pursue action against someone indirectly involved. For example, if an inebriated driver caused an accident, you can sue the bar, restaurant, or establishment that served them alcohol. It’s worth mentioning that California makes it difficult to pursue dram shot claims, but exceptions are allowed.


Type of Car Accident Claim #3 – Uninsured/Underinsured Claim
In some cases, the at-fault party in a car accident doesn’t have insurance coverage or is underinsured. The good news is that your insurance policy should compensate you if you have coverage for uninsured/underinsured drivers. If the at-fault driver in a car accident doesn’t have insurance or is underinsured, individuals may be able to file an uninsured/underinsured claim through their own insurance policy if they have coverage for such situations. It’s important to carefully review your insurance policy and understand what is covered. Keep in mind that this situation can be tricky. Why? If the drivers can’t afford insurance, they likely can’t afford to compensate you either.


Types of Car Accident Claims #4 – Government Accident Claim
Accidents involving government employees can also occur. Accidents involving government employees may also be grounds for a claim, but it’s important to understand the specific guidelines and exceptions that apply in your state. Keep in mind that California and many other states have exceptions in place to protect their workers. You can always take action against the government to recover compensation. However, you often must follow strict guidelines. Furthermore, dangerous road conditions and poor maintenance are grounds for filing a claim against the government. If they knew that the hazard existed, they could be held liable.


Type of Car Accident Claim #5 – Wrongful Death Claim
In the event of a wrongful death, it’s important to consult with surviving family members and consider hiring an attorney to help with the process of filing a claim. An attorney can provide valuable guidance and representation throughout the process. You also have the option to pursue a wrongful death claim if you lost a loved one in a car accident. You can often file the claim on your own, but it’s recommended that you enlist an attorney to initiate the process. You should also consult with surviving family members about how to proceed.


Hire an Attorney Today to Represent Your Claim
If you’ve been involved in a car accident, it’s important to seek legal counsel to understand your options and the best course of action for pursuing compensation. An experienced attorney can help you build a strong case and maximize the compensation you may be entitled to. Here at HHJ Trial Attorneys in San Diego, we can simplify the process of filing a personal injury claim. We’re exceptionally familiar with how the law works, and we’ll know which liability claim you should pursue. We can also build and strengthen your case to maximize the compensation you obtain.


Contact our offices today and schedule an appointment with one of our experts to learn more about how we can help. Our job is to handle your claim so that you can devote yourself to getting your life back on track. After enduring so much suffering, it’s time to take action and recover the damages you deserve.


Testimonial from Lan, Car Accident Victim 
Mr. Elliott Jung and his firm, HHJ Trial Attorneys, are extraordinary and settled my legal case. Thank you so much! Trust them with car accident inquiries and rest assured they will win your case.


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