Reader question:

Are there certain kinds of accidents for which the fault will be obvious when you make a Florida auto insurance claim?

Grace

Great question, Grace.

There are two kinds of accidents that will leave no questions asked ninety nine percent of the time on your Florida auto insurance claim. It would be very difficult for a car other than the typical one to be at fault in either of these types of accidents, so while it is not a lost cause if you get in one and believe you are not at fault, in most cases the fault for the Florida auto insurance claim will always be placed on the same car. Those types of accidents are left turn accidents and rear end accidents.

• Rear ends.

This is the type of Florida auto insurance accident that most people want to fight about, even if they have no ground to stand on. Whenever someone rear ends you, and it doesn’t matter why it happens, you will be considered innocent in your Florida auto insurance claim. It doesn’t matter if you screech to a halt every three seconds, because the other driver still should have been driving far enough behind you to have time to stop when you did without hitting you. It’s called the three second rule, and you should practice it on the road by keeping at least three seconds behind the car in front of you.

It’s pretty easy for your Florida auto insurance claim adjuster to tell when you have been in a rear end accident, too, because the wreck speaks for itself. One car will have damage on its front end, and the other on its back end. Problem solved, your Florida auto insurance claim adjuster will say.

Even if the person behind you rear ends you, which pushes your car up and you in turn rear end the person in front of you, all of the fault for the Florida auto insurance claim will not fall on the driver in the back. Each car is responsible for the car that it hits in this case, because if you had been far enough behind that other car, you probably would not have hit it.

There are times when, while you won’t assume all of the fault for the Florida auto insurance claim, you can assume some. This might happen if you have a tail light out, making it difficult for the driver that hit you to see you. The only way that I can think of where you might assume full fault for th Florida auto insurance claim would be if you backed into the car.

• Left turn Florida auto insurance accidents.

In some areas in my city, stop lights have protected left turns, and I love these. In other areas, the left turns are yield only, which are terrifying to me, and which is where this rule comes in. Almost anytime that a car accident happens when a car is turning left through a yield light, the car turning left will assume the Florida auto insurance fault. This might not be the case if:

The second example would be hard to prove, because the road has to be clear to go when you start turning. However, if something off road happened you could probably use it as an excuse.

Cheers,

Fashun Guadarrama.