Motor vehicles accidents are the most common causes of death in the United States. The most common types of automobile accidents are caused by driver’s error such as
- failure to yield the right of way,
- following the other car too closely,
- driving at an excessive rate of speed,
- driving while intoxicated and driving under the influence,
- disregard of traffic control devices,
- failure to properly service and maintain the vehicle,
- usage of a cellular phone,
- putting on makeup, and many others.
If you are in an accident, you are required by the New York Vehicle and Traffic Law to stop and exchange information with the involved drivers. If the accident caused property damage only, then exchange information about your driver license, insurance, and registration with the involved drivers. If a person is injured or killed, you are required by the New York Vehicle and Traffic Law to immediately notify the police. If a parked vehicle or other property is damaged, or if a domestic animal is injured, you must locate the owner or contact the police.
It is very important that you have sufficient insurance coverage. It is common that the offending driver is has inadequate insurance coverage. In such a case it may be beneficial for you to include an “uninsured motorist coverage” to your automobile insurance policy. Thus, in the event that the other driver fails to carry insurance or cannot be identified (i.e. a hit and run accident) you will be reimbursed.