Car accidents may leave you overwhelmed and unsure of what to do next. These incidents usually happen quickly and without warning. If someone else’s recklessness or negligence is to blame, you may feel angry on top of the physical and mental pain the incident causes.
While the situation may seem bleak, you are not alone.
As a car accident victim, you may not realize how serious your injuries are immediately. You may not anticipate the challenges you will face when collecting compensation, either.
Unfortunately, insurance companies make recovering compensation more difficult than it should be. The settlement terms usually do not represent the full value of your injuries, damages, and costs.
At Bernard Law Group, our car accident attorneys are ready to fight for every penny you deserve. Here, you can learn more about your rights, options, and obligations after a car accident based on Washington law. You can also contact our office and schedule a risk free consultation.
Car Insurance Requirements in Vancouver
In Washington, all motorists are legally required to have auto insurance to cover potential damages or injuries in the event of a car accident. This mandatory insurance includes:
- Bodily Injury Liability: This covers damages associated with injuries to other people in an accident you cause. The minimum coverage amounts are $25,000 for injuries and damages to one person and $50,000 for injuries and damages to more than one person involved in the same collision.
- Property Damage Liability: This covers damage you cause to another person’s property. The minimum coverage required is $10,000.
Optional Coverages
While not mandatory, drivers in Washington are often encouraged to consider additional coverages for greater protection:
- Collision Coverage: This pays for damages to your vehicle in an accident, regardless of fault.
- Comprehensive Coverage: This covers non-collision-related damages to your vehicle, such as theft, vandalism, or weather damage.
- Uninsured/Underinsured Motorist Coverage: This protects you if you’re in an accident with a driver who either lacks insurance or whose insurance is insufficient to cover the damages. You can opt to have Uninsured/Underinsured Motorist Coverage for both bodily injury and property damage.
- Personal Injury Protection (PIP) Coverage: Personal Injury Protection (PIP) is an optional coverage in Washington. PIP covers medical expenses, lost wages, and other costs regardless of who is at fault in an accident.
Proof of Insurance and Penalties for Non-Compliance
Drivers must carry proof of insurance in their vehicle at all times. Failure to provide proof of insurance during a traffic stop or after an accident can result in penalties, including fines and the possibility of license suspension.
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Common Causes of Car Accidents in Vancouver
Car accidents are not unusual in and around Vancouver. While they are often sudden and unexpected, some causes of accidents are more common than others. Knowing what these causes are may help you avoid being a victim.
Distracted Driving
In Vancouver, distracted driving remains a leading cause of car accidents. This includes using mobile devices, eating, or any activity that diverts attention from the road. Despite strict laws against it, distracted driving continues to result in significant numbers of collisions annually.
Speeding and Reckless Driving
Speeding is a major concern in Vancouver. Drivers exceeding speed limits, especially in residential areas and school zones, significantly increase the risk of accidents. Reckless driving behaviors like improper lane changes, aggressive driving, and not adhering to traffic signals contribute to numerous road mishaps.
Inclement Weather Conditions
Vancouver’s weather can be unpredictable, with rain being a common factor. Wet roads lead to slippery conditions, reducing tire traction and impairing drivers’ ability to brake effectively. Foggy conditions also reduce visibility, making it challenging for drivers to see other vehicles and road hazards.
Impaired Driving
Despite public awareness campaigns and stringent laws, impaired driving due to alcohol or drugs remains a cause of serious accidents in Vancouver. Such impairment drastically reduces a driver’s reaction time and decision-making ability, leading to dangerous situations on the road.
Poor Road Conditions
Potholes, uneven road surfaces, and poorly marked construction zones can be hazardous for drivers. These conditions often lead to accidents, especially if drivers are not paying close attention to the road or are driving at high speeds.
Heavy Traffic and Intersections
Vancouver’s bustling urban environment means heavy traffic is the norm, particularly during rush hours. This congestion increases the likelihood of rear-end collisions and accidents at intersections, where multiple vehicles and traffic signals increase the risk of collisions.
Common Types of Car Accidents We Handle
The types of accidents that occur vary based on the situation. Some of the most common types include the following:
Rear-End Collisions
Often occurring in heavy traffic or at stoplights, rear-end collisions are one of the most common types of accidents we handle. Typically caused by tailgating or sudden braking, these accidents can lead to whiplash, spinal injuries, and other serious conditions, even at low speeds.
T-Bone Accidents
T-bone accidents, or side-impact collisions, usually happen at intersections. They occur when one vehicle impacts the side of another, often due to running red lights or failing to yield. Such accidents can cause severe injuries due to the limited protection on the sides of vehicles.
Head-On Collisions
Among the most dangerous, head-on collisions occur when the fronts of two vehicles hit each other. These often result from wrong-way driving, distracted driving, crossing a center line or driving under the influence. The injuries from these accidents are frequently severe or fatal due to the high-impact force.
Single-Vehicle Accidents
Single-vehicle accidents involve only one vehicle due to losing control, poor road conditions, or avoiding a pedestrian or animal. These accidents can lead to serious injuries, especially if the vehicle strikes a stationary object or rolls over.
Hit-and-Run Accidents
We also represent victims of hit-and-run accidents, where a driver causes an accident and leaves the scene without providing contact information. These cases require a different approach, often involving extensive investigations and working with law enforcement.
Steps to Take After a Car Accident
If you are involved in a car accident, taking the right steps to protect yourself and your right to compensation is necessary. These steps include:
Ensure Safety and Seek Medical Attention
Immediately after a car accident, prioritize safety. Move to a safe area, and check yourself and others for injuries. Even if injuries seem minor, seeking medical attention promptly is essential. Some injuries, like whiplash or internal trauma, may not be immediately apparent.
Report the Accident
Contact the police to report the accident. A police report is crucial, especially when filing an insurance claim or if the accident leads to legal action. Provide an accurate account of the incident, but avoid admitting fault or making speculative statements at the scene.
Document the Scene and Gather Information
If safe, take photographs of the accident scene, including vehicle positions, any visible injuries, and road conditions. Exchange information with the other driver(s), including names, contact details, insurance information, and vehicle details. Also, collect contact information from any witnesses.
Notify Your Insurance Company
Promptly inform your insurance company about the accident. Provide them with the collected information and documentation. Be factual in your report, which will be vital for the claims process.
Consult with a Car Accident Attorney
Consider consulting a car accident attorney, especially if the accident resulted in significant damage or injuries. An attorney can guide you through the legal process, help protect your rights, and ensure you receive fair compensation for damages and injuries.
How Our Experienced Car Accident Lawyers in Vancouver Can Help with Your Case
When you choose Bernard Law Group, we offer the following services:
Expert Case Evaluation and Strategy Development
Our experienced car accident lawyers in Vancouver start by providing a thorough evaluation of your case. Understanding each accident is necessary and to do this we delve into the specifics of your situation.
We use the information to develop a tailored strategy. We assess liability, damages, and potential compensation, ensuring a solid foundation for your claim.
In-Depth Investigation and Evidence Collection
We investigate the accident. This involves gathering crucial evidence such as police reports, eyewitness accounts, and traffic camera footage. Our team also collaborates with accident reconstruction experts to build a strong, fact-based case that accurately represents the incident’s circumstances.
Skilled Negotiation with Insurance Companies
Dealing with insurance companies can be complex and overwhelming. Our lawyers can navigate these negotiations and advocate for your best interests. We will work to achieve a fair settlement that covers all your damages, including medical expenses, lost wages, and pain and suffering, without the need for a lengthy court battle.
Legal Representation in Court
If a fair settlement cannot be reached, our team is prepared to represent you in court. With extensive experience in litigation, we present a compelling case, backed by solid evidence and expert testimony, to ensure your voice is heard and your rights are upheld.
Personalized Support and Guidance
Throughout the legal process, we provide personalized support and keep you informed at every step. Understanding the emotional and physical toll of a car accident, we ensure you receive the empathy, respect, and attention you deserve.
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We Can Help with Your Car Accident Claim
If you are involved in a Vancouver car accident, our experienced attorneys can help you recover the compensation you deserve. We will work to ensure you receive a settlement that accounts for all accident-related costs.
The first step is to contact our office to schedule a free consultation.