'Who crashed into your car?' 'Nobody!'

There is a kind of car crash that is a little hard to explain -- the single-car crash.

If you sue an insurance company for compensation for an injury, they will naturally ask, "Who was the other driver?"

And you may feel abashed saying, "Uh, there was no other driver."

Examples of Single-Car Crashes

You're driving at night and a deer leaps up and crashes through your windshield. Your car is totaled and you break your arm and suffer a concussion. You can't sue the deer, but you can file a claim on your comp coverage in your auto insurance - if you have it.

Your car rounds a curve and crashes into a tree fallen across the freeway. You break your nose against the steering wheel. The tree has been there for more than 24 hours earlier. You may be able to file a claim against the county whose job it is to keep that road clear.

Your tire blows out and your car veers off the road and into an abutment. You may file a claim against the tire manufacturer.

An oil tank truck has leaked slippery oil onto a patch of expressway. Your car goes off the expressway and you sustain a serious back injury.

These injuries aren't funny

Some single-car accident injuries are minor. But they can be very serious when a vehicle flips over, or leaves the road. Some single-car accidents are compensable, while others are not. Your case is strong when there is a negligent party, like a defective tire. It's iffier when the accident just seems like bad luck (for example, swerving to miss an animal) or challenging weather (the glare of the sun caused you to ride up on the curb).

An experienced lawyer is your best guide for evaluating your claim. Many insurance companies deny responsibility, claiming the accident was an act of god. That's when you need a persuasive attorney arguing your case.

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