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Special Situations

In some states, there is a presumption of fault if the driver of a car strikes a pedestrian or bicyclist.  This presumption can be overturned if there is evidence of fault or law-breaking behavior on the part of the pedestrian or bicyclist.  In no-fault states, injured pedestrians are usually covered by their own automobile insurance policies, despite the fact that they were not in a car at the time of the accident. This holds even if the driver was at fault.

In a rental or leased vehicle, the individual’s own insurance policy will cover them for any automobile they are driving in the event of a car accident.  It is not necessary to buy supplemental insurance from the rental or leasing company unless the person is looking to increase their coverage.

When a domestic animal is injured and the driver suffers damage, there may be a presumption of fault on the part of the animal’s owner for allowing the pet to become a danger.  If the accident was caused by negligence on the driver’s part, the owner of the animal may file a lawsuit against the driver.  The value of damages to the animal and it’s medical care are limited in most states and do not permit financial compensation for non-economic damages associated with the loss of a pet.  If injury or damage is sustained by a driver’s collision with a wild animal, it is generally covered without assignment of fault.  The driver should assist the animal only if he or she can do so without posing any further danger to himself or herself or other motorists.

Car Accidents - Car Accident Insurance Liability

Car Accidents Resource Center

  • Car Accident Insurance Liability · A guide to Car Insurance, and Auto Accident Liability Insurance Coverage, covering Strict Liability, Negligence, Intentional Misconduct, "Fault," No Fault," and other aspects of Car Insurance relevant to Car Accidents.
  • First Steps After an Auto Accident · A legal guide for consumers who have been involved in a Car Accident, guiding them through the often confusing process of dealing with insurance companies, the legal system, injury claims, etc.
  • Drunk Driving Accidents · An overview of DUI, DWI, and Drunk Driving Law, in relation to Car Accidents, covering how to deal with Drunk Driving charges, and state criminal laws and penalties pertaining to drunk driving.
  • General Car Accident Information · A basic guide to Car Accidents and Car Accident Law, providing information on causes of auto accidents, legal aspects of car accidents, and an overview of both injury claims and wrongful death claims resulting from car accidents.
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