Classification of car accidents provides guidance to those that must determine the value of a specific claim.
One classification scheme focuses on the nature of the impact, at the time of the crash.
Head-on collision: The driver at-fault is usually clear. That same motorist had chosen to drive in the wrong direction, or had not changed direction soon enough.
Rear end collision: This usually takes place at a lower speed than that associated with head-on collisions. The rear vehicle is usually responsible, but the lead driver could be declared at least partly at fault.
Side impact: This poses the greatest danger to occupants of the hit vehicle, due to the thinness of the steel along a vehicle’s side section. Air bags on the side decrease that danger.
Chain reaction: Could trigger calls for an extensive investigation, in order to assign fault. Involved drivers should seek proof of such an investigation, before accepting directives from an adjuster. Moreover, those same motorists should think about hiring a Car Accident Lawyer in Waterloo.
Rollover: Involvement of a single vehicle; person at-fault usually clear, although a defective part might cause this sort of incident. The extent to which a part might be responsible for a rollover could increase, when more members of the public own and use a driverless set-of-wheels. That change could affect more than one classification scheme.
Drivers’ experience level could be considered when classifying a given accident.
Teen driver: frequently over-confident about his or her skills. Some teens caused collisions by using a cell phone while sitting behind the steering wheel.
Elderly drivers: Often exhibit diminished alertness and diminished reaction time.
Uninsured or underinsured motorists: In any incident involving one of those 2 types of drivers, there is a good chance that one party could question the claims made by the opposing party.
Employed worker using vehicle during work hours: Victim should submit a claim with the employer’s insurance company.
Type of vehicle used by the responsible motorist
Currently, someone that was serving as a contractor of Uber or Lyft could have operated one of the vehicles involved in a crash. When that is the case, then any injured rider would have the right to sue the company (Uber or Lyft).
Riders of a taxi service do not have that option. Any injured riders must submit claim with driver’s insurance company. The riders’ chances for obtaining good compensation depend on the practices of the taxi driver’s insurance company.
In the future classification of accidents according to drivers’ experience will have to establish guidelines for dealing with driverless vehicles. At this point in time, the method for dealing with that form of transportation has not been established.