Car Safety Features That Can Help Prevent Auto Accidents

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The technological advancements of the modern world come with their positives and negatives. One of these critical positive developments of technology is high-tech safety features in cars. There is an excellent reason for these advancements: Driving an automobile is dangerous. As safe as you may feel on the roads of St. Louis,  around 37,000 people die every year from car accidents and another 2.35 million are injured in the US alone. These tragedies must be avoided, and that’s precisely what these safety features help you do.

Backup Camera

Backup cameras are becoming very common in modern vehicles because of how much they help with driving in reverse. A typical situation that leads to an accident is somebody backing out of a parking space. They might hit another car, or more tragically, a pedestrian. Backup cameras significantly decrease this risk by giving the driver a view of what is behind them. One thing to watch out for is that these cameras do not provide full coverage. Even if you have one, you should still turn around and look before backing up.

Periphery Sensors

Many accidents occur because somebody did not effectively check their blind spot. Periphery sensors are a safeguard against this, as they will tell you when somebody is there. Additionally, they can make your life a lot easier while parking. In a similar vein, you can also choose blind spot cameras.

Auto Braking

Rear-endings are one of the most common types of accident, but they can often be avoided by hitting the brakes as early as you can. Auto manufacturers understand this and have started to create cars that deploy brakes automatically in emergencies.

Drift Warning

A telltale sign of drunk, drowsy, or distracted driving is drifting between lanes. Some modern cars can sense that this is happening, you will displaying a flashing light to tell you. If you have this feature and get that flashing light multiple times in just a few minutes, you are probably unfit to drive.

Emergency Response Button

If you end up sustaining a severe injury and need immediate medical attention, every second counts. Additionally, you might be in an awkward position and not have access to your phone. If either of these is the case, an easy to reach emergency response button will definitely come in handy.

Though you may not feel like it, you are taking a slight gamble every time you get behind the wheel. Once you realize that this is the case, you will want to improve your odds as much as possible. One way to do this is by choosing a car with these safety features. They will do a lot to help you out when you or another driver are being careless on the road. Of course, they cannot save you from every accident. If you do suffer a crash, speak with a St. Louis car accident lawyer about your potential compensation.

 

 

photo credit: Janitors

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4 Tips for Getting a Great Car Accident Settlement Deal

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Most people assume that when they get into a car accident, it will be easy for them to obtain their rightful compensation. The truth is that while sometimes it is painless, it usually isn’t. Instead, it is often a complicated and time-consuming process that most people find incredibly difficult. The first thing you can do to make things smoother is understanding basic tips for getting a great deal. Next, you do well to speak with a St. Louis car accident lawyer to take care of all of the complex aspects of your case.

Gather Evidence at the Scene

To get the best deal possible, you need to prove that the other driver was at fault. If they admit this, your job is very easy. Unfortunately, this is not always the case. When they deny wrongdoing, the best way to prove your side of the story is through evidence. The most common pieces of evidence are pictures of your injuries, both vehicles, and the scene surrounding the accident. Additionally, you should search for witnesses that may have seen what happened. A third party backing up your claim could end up being a critical factor in your case.

 

Obtain a Medical Assessment

When you pursue compensation from an insurance company, you need to understand how much money you deserve. One of the vital elements of that number is understanding your present and future medical bills. To do so, you should see a doctor and get a medical assessment. They will tell you all of the health issues they can find, the cost of treatment, and any costs that are likely to come up down the road.

 

Choose a Target Amount

You cannot go into a negotiation without knowing what amount of compensation you are seeking. To find that number, you need to go over the different types of damages that you are entitled to, decide which to pursue, and come up with an amount for each kind. You attorney can help you determine what those numbers are and add them together, so you have an estimate for how much compensation you should receive.

 

Don’t Be Afraid to Negotiate

Sometimes, negotiating with an insurance company is incredibly easy. You have your target amount for a fair deal, and that company meets or exceeds it on their first offer. Other times, this is not the case. The insurer will give you a low-ball offer and talk tough about not going any lower. If this is the case, don’t be afraid to have your attorney negotiate on your behalf. Almost every personal injury case involves some arbitration to reach a fair deal for both sides, so you should be prepared to do so.

If you have been involved in a St. Louiis car accident, one of the best decisions you can make is to speak with an experienced attorney as soon as possible. Call The Hoffmann Law Firm, L.L.C. 24/7 at (314) 361-4242 for a FREE Case Evaluation.

Avoid These Three Common Car Accident Scams

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Car accidents are bad enough on their own. You may sustain a personal injury, have costly damage done to your car, and end up paying high insurance fees for years to come. What’s even worse is that there are people out there in St. Louis that stage car accidents to commit insurance fraud. In this situation, you have all the negatives of a car crash along with the added frustration of it being a scam.

Forced Rear-Ending

You may know that in the case of a rear-ending, the car in the back is often found to be at fault. Those who force rear end accidents understand this and take advantage of it. They will get ahead of you, wait until you are both stopped in traffic, and then put their car into reverse and hit you. They will often raise the stakes by also claiming a fake injury, which is another typical scam. To avoid this, keep your following distance high. A scammer is much more likely to pull this off if you are tailgating them. If you are at a safe distance, you have a better chance of avoiding an accident. Additionally, you can install a dash camera so you can have video evidence of their fraudulent behavior.

Fake Injuries

While most scammers don’t get away with it, there are always a few that get big paydays from faking injuries. This motivates all scammers to do their best to get a payday of their own. One of the ways they get it is by faking an injury after a crash. They will often claim to have whiplash or phantom pains, two conditions that are hard to disprove. Sometimes they even get a doctor or chiropractor to give them the diagnosis they desire. The best way to avoid this is to watch the driver immediately after the crash. If they seem like a fraud risk, file a police report on the crash. Sometimes a scammer will not decide to fake their injury until a few days after the accident. If a police report says that they seemed fine, that will lower their chances of being able to sue.

The Fake Victim

This describes a situation where you get into an accident, then days later a person who was not even involved claims to be injured from it. In this scenario, you can end up paying for the injury of a person who was nowhere near the crash! To avoid this, take ample pictures of the scene. You can also file a police report, which will confirm the number of people in each vehicle.

Being scammed by insurance fraudsters may seem uncommon, but it really isn’t. In fact, there is an entire department of the National Insurance Crime Bureau devoted to this scam. They happen every day, and they can happen to anyone. If you do become a victim of a car accident scam, speak with a St. Louis car accident attorney immediately. Hopefully, though, this is a situation you never have to deal with. Being informed about auto scams will significantly increase your chances of evading them entirely.

Preventing Pedestrian Car Accidents This Summer

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As the weather starts heating up around St. Louis, many people will hit the road for some bike riding, running, and other outdoor activities. If you are going to share the street with motorists, it is imperative that you take higher care to make sure to protect your safety.

When a motorist hits a pedestrian, it is usually the driver’s fault. However, there are times when the actions of the person walking can make them responsible and liable for any injuries they sustained.

What Is a Higher Duty of Care?

When there are pedestrians present, a driver has a higher duty of care. Meaning that they have to take special precautions when people are walking, riding their bike, or running. If they do hit a pedestrian and it could have been avoided, then they will likely be held responsible.

What Is a Pedestrians’ Responsibility?

Although motorists are required to take a higher duty of care when there are pedestrians around, pedestrians, likewise, have an obligation to ensure their safety and to protect themselves.

Pedestrians are required to behave as any reasonable person would; in other words, walkers are, in part, responsible for their safety. A reasonable person is a legal construct which maintains that a person is required to behave in a manner that any other reasonable person would to keep themselves safe.

Ways to Protect Yourself

Since the state of Missouri is a contributory negligence state, it is possible for both driver and pedestrian to share the negligence of an accident and be responsible for paying their “share” or portion of fault. So, the best way to stop yourself from being injured is to take the necessary precautions to make yourself visible and follow the rules of the road according to pedestrian laws in Missouri.

If you are out on a bike or after dark walking, wear reflective clothes that stand out so that a motorist can see you. You will also want to know the laws for bicycle signaling if you are going to be sharing the road with drivers. Knowing the correct hand signals can reduce your risk of an accident.

Always follow the cross signs and don’t try to race a car across an intersection. It is quite likely that they will win, and losing that race can end badly. Most of all, make sure that motorists see you instead of assuming that they do. If a driver is distracted for just a second, it can mean your life.

So, although you can’t anticipate what a driver will do, always err on the side of believing they don’t see you until they come to a complete stop. Even then, make sure that you are noticed by making eye contact.

To keep yourself safe this summer and to reduce the risk of being in a driver-pedestrian accident, take greater care when you are near motorists the way that they are supposed to. If you are in a pedestrian car accident, speak with a St. Louis car accident lawyer to make sure that you are protected and that you get all that you are entitled to for your injuries.

Teen Driver Insurance

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There is nothing more exciting in the life of a teenager then getting behind the wheel for the first time to try out their learner’s permit. As a parent, however, there is no greater time of anxiety. As a parent or guardian, you want to protect your child and make sure they are safe. Sometimes, in all that worry, parents forget about protecting themselves.

Sure, while you are still in the car and somewhat in control while your teen is learning to drive, the wheel is in their hands, even if you are riding along as the voice of reason. Teenagers simply don’t have the experience or the attention to detail that adults do, which can make them slightly more impulsive and less focused. This can lead to some poor decisions or mistakes that are made because of a lack of experience.

Teenagers Are High-Risk Drivers

If you have a teen driver, insuring them can be expensive. A high risk to the insurance company, teen drivers are usually insured at higher rates because insurance carriers know there is a higher chance of teens being in an accident. If your teen is behind the wheel with either their license or their learner’s permit, they generally have to have insurance of their own even though they are still learning.

If you are going to let your teen drive your car or if they live with you, they have to be specifically named on your driver’s insurance policy. Otherwise, it can lead to your financial ruin if they are in an accident and found to be at fault. If you don’t specifically add your teen to your insurance policy, then the insurance company may deny your claim, which can cause serious trouble if they are found to be at fault for an accident.

Missouri is a comparative at-fault state, which means that one party can be solely responsible for an accident or that multiple drivers are found negligent and share the blame. Whoever is found negligent in an accident is liable for paying for any resulting injuries and damages. If this is a minor that you are responsible for, that liability will fall to you.

Cover Yourself by Covering Them

While you hope your teen will be safe and it is entirely possible that they will become a mature driver without ever having an accident, there is always the possibility of something happening. So before you hand over your keys, even if you intend to sit in the passenger’s seat, you have to have your teenager added to your car insurance.

Distracted Driving and Its Effect on Car Accident Rates

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April is National Distracted Driving Awareness Month, so spring is the perfect time to talk about the new epidemic of distracted driving and how it is having a profound effect on the rate of car accidents in Missouri and around the nation.

According to the National Highway Traffic Safety Administration, as many as ten people die in a motor accident every day due to someone driving while distracted. Although there are anti-texting laws and a lot of public awareness has been allocated to the discussion of not texting while driving, it is still happening on roadways around the country.

Statistics show that as many as one thousand people are injured due to distracted driving crashes every day. The total fatality count for accidents caused by distracted driving is more than four thousand annually. Unlike drunk driving, distracted driving has no confirmation test. There is no way to test if someone was driving while distracted, which probably means that it is the cause for far more fatalities than recorded.

Only confounding the problem is that often when someone is engaged in distracted driving, they are doing more than just looking at their phone. In a lot of fatal accidents, drivers are also speeding, not wearing their seatbelt or even drinking while driving. On the road, the combination of all three of those things is tantamount to riding in a time bomb.

Many smartphone companies have taken steps to limit distracted driving by installing hands-free technology for use while a person is driving. There are studies that show that even talking to someone on the phone when you are driving is a distraction that increases your risk of an accident. Not to mention that you still usually need to dial a number or find your phone when it is ringing, which means that you are taking your eyes off of the road.

If a person either reads or sends a text message while they are driving, they take their eyes off the road for an average of five seconds each time. In that five-second timeframe, it is highly likely that they are going to miss something on the road that will lead to a crash.

Many of the people who wouldn’t think to drink and drive or to drive recklessly have no problem picking up their cell phone to check notifications or sending a quick text message, but using a phone while driving is just as risky as driving while intoxicated.

If you are in a car accident where you are either being accused of distracted driving, or you suspect that the other driver was engaged in distracted driving, it is critical that you speak with a St. Louis car accident lawyer to protect you and help you recover your losses and damages. Call us 24/7 at (314) 361-4242 for a free case evaluation.

 

St Louis Hit and Run Accident Lawyer: Never Flee The Scene

Auto accident involving two carsAny parent of a teenager knows that teens don’t always make the best decisions. That’s why when you hand your car keys over to your teenager, you must understand how their decisions can ultimately affect you.

If your teenager is driving your car and they are at fault for an accident, it will typically be your insurance coverage that is responsible for paying for any damages and injuries. There is a stipulation, however, and if you aren’t aware of it it can really hurt. If you don’t add your teenager to your policy and they are not specifically named as a driver, the insurance company may deny them coverage.

The rule of “vicarious liability” means that if you loan someone your car and they are at-fault in an accident, your insurance company is responsible for paying. However, vicarious liability generally only works if the person who borrows your car doesn’t share the same address. If your teen lives with you and you haven’t specifically listed them on your auto insurance policy, then your insurance company may deny the claim and all financial responsibility could end up falling on your shoulders since they are a minor.

The Importance of Teaching Your Teen to NEVER Leave an Accident Scene

If your teen is involved in a fender bender or they back into a parked car, they might be tempted to leave the scene. They may be afraid of what Mom and Dad will potentially do. That is a huge mistake. If you hit a parked car and leave the scene of the accident, you can be charged with a hit-and-run. Not only will that leave you and your insurance on the hook for paying for damages if they are found out, but it could also open your teen up to criminal prosecution.

So before you hand your keys over to your teenager, first make sure that they are specifically listed on your auto insurance coverage policy. Second, be sure that you go over the rules of the road, especially what to do if they ever hit another car and the driver is not around. If they fail to take action by informing the other driver and exchanging information, they can face some pretty harsh penalties and criminal charges.

Make sure your teen understand their responsiblities and the rules of the road. One small mistake could land them in a whole lot of trouble if they don’t understand what the law expects of them.

If you or a loved one have been involved in a St. Louis car accident due to the negligence of another driver, call The Hoffmann Law Firm, L.L.C. 24/7 at (314) 361-4242 for a FREE case evaluation.