How Does Insurance Work for Single-Vehicle Accidents?

Single-vehicle accidents account for about one-third of traffic incidents nationwide, so it is essential to understand how your insurance coverage works in those situations. Our team at E.S.T.I.R. Inc., serving the Bloomfield, NJ area, is here to help you understand and acquire the insurance coverage that will best protect you and your family.

Understanding Fault In Single-Vehicle Accidents

New Jersey is a no-fault state for insurance purposes. That means that whether you are involved in a single-vehicle or multi-vehicle accident, the primary payer of economic damages you suffer from the accident is your insurer, specifically the Personal Injury Protection (PIP) portion of your auto insurance.

However, being a no-fault state does not mean New Jersey does not assign fault for accidents. For example, drivers in single-vehicle accidents may not be considered at fault or only partially at fault when accidents result from hitting a deer or, in some cases, inclement weather.

In addition, while PIP addresses most single-vehicle accidents, there are situations in which you can recover compensation from others who are at fault for the accident. These include:

  • Swerving to avoid hitting another vehicle or obstacles in the road
  • Obstructed road signage
  • Vehicle malfunction caused by the manufacturer or auto service provider

Most importantly, if you are involved in a single-vehicle or multi-vehicle accident, you should obtain a police report and safely document the accident scene. Doing so can help determine who bears what portion of the fault and may allow you to avoid or reduce liability.

Working With E.S.T.I.R. Inc.

The team at E.S.T.I.R. Inc. serves the Bloomfield, NJ area. We will happily answer your insurance questions and create a policy that best meets your needs. Call or stop in today to ensure you have the coverage you need.