Debris on the road can turn an ordinary ride into a dangerous situation. Whether it’s something as bulky as a truck tire or as light as a cardboard box, any type of debris can be extremely hazardous when it comes flying at your vehicle.
Unfortunately, this type of accident happens all too often in California, and property damage is just the beginning. Many drivers also suffer from serious injuries produced when road debris hits their vehicle. So, who is responsible for the expenses caused by this dangerous situation? Our Los Angeles personal injury attorney explains.
Damage Coverage for Road Debris Accidents
Any driver who leaves debris in the road is responsible for damages resulting from that debris. Depending on how the damage is caused, the type of insurance that covers your expenses will vary. Every situation is different, so don’t look at this information as the only recourse.
If the debris is in the road and you run over it, you should be covered by your collision insurance if you don’t know who the responsible party is. Without collision insurance, you may be subject to using one of the following insurance types.
By proving that your vehicle damage and injuries were caused by another negligent party, your expenses should be paid by that individual’s liability insurance. Examples of situations when someone else is liable would be when parts fall off of vehicles, when a driver fails to secure their load, or when they throw something out the window.
If the debris flies through the air and hits your vehicle, damages may be covered by your homeowner’s insurance. It may also fall under your umbrella policy.
UIM stands for uninsured motorist, and you may be covered by your UIM policy if the responsible party leaves the scene or doesn’t have insurance. When dropping debris, many drivers do not notice and continue driving. Uninsured motorist insurance pays for damages caused by the negligence of someone who flees the scene or cannot be identified.
What to Do if You’re Affected by Road Debris
If you’ve hit debris in the road, first make sure that everyone in your vehicle is alright. If anyone’s been injured, make sure they get the medical attention they need.
If your vehicle is still moving after hitting debris, quickly assess the situation before determining if it’s still safe to drive. A crack in the windshield doesn’t necessarily require you to stop, but if the debris is stuck beneath your vehicle’s undercarriage, you should pull over and examine the damages. Also, if debris causes a flat tire, don’t slam on the brakes. You don’t want to lose control of your vehicle by panicking.
After assessing the damage, call the police to report the incident and any debris still on the road. By filing a report, you’ll have proof of what happened in case you want to pursue a claim with the help of your Los Angeles personal injury attorney. After the police, talk to your lawyer to discuss the accident. Then call your insurance company to file a claim.
Accidents and injuries caused by road debris can be serious. If you or a passenger were hurt due to someone else’s negligence, contact a Los Angeles personal injury attorney at the Law Offices of Craig Kornberg right away. The initial consultation is free. Let us fight to get you the compensation you deserve.