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Single-vehicle accidents are more common than you might think, accounting for nearly half of the nation’s traffic fatalities. Regardless of the type of vehicle you drive, these accidents can occur, so it’s important to understand how insurance handles such incidents. Knowing what to do if you’re involved in a single-vehicle accident is also crucial. The team at Franklin Insurance Agency, serving Rio Rancho, NM, is here to answer your insurance questions and provide the coverage you need.
Understanding Fault in Single-Vehicle Accidents
New Mexico operates under an at-fault system, meaning procedures are in place to determine legal and financial responsibility for injuries or damages resulting from accidents. Fault is determined for both multi-vehicle and single-vehicle accidents, as the driver is not automatically at fault in a single-vehicle accident.
Interestingly, more than one party can be found at fault for a single-vehicle accident. In some cases, the driver may not be at fault or may only be partially at fault.
Factors contributing to single-vehicle accidents, aside from driver-related issues, can include:
- Weather-related conditions such as ice, snow, or fog
- Poor road conditions, like potholes or broken pavement
- Obscured stop signs or other street signs
- Striking an animal or objects that have fallen onto the road
- Swerving to avoid a vehicle that negligently enters your path
- Certain vehicle mechanical issues
Whenever possible, obtain a police report following an accident. Also, try to safely document factors contributing to the accident using pictures or videos of the scene, as these may help determine fault.
Working with Franklin Insurance Agency
If you live in or near Rio Rancho, NM, the team at Franklin Insurance Agency can help you secure the necessary insurance coverage. Visit our office today or call (505) 891-8733 to schedule an appointment.