Auto Accident FAQ Guide

Car accidents can result from a variety of factors. While some may be unavoidable, most crashes are caused by human error, negligence, or poor decision-making. Here are some of the most common causes of car accidents:

1. Distracted Driving

Distracted driving is one of the leading causes of car accidents nationwide. Activities like texting, eating, adjusting the radio, or even chatting with passengers can take your focus off the road, resulting in a split-second disaster.

2. Speeding

Driving above the speed limit reduces your ability to react to potential hazards and increases the severity of impacts during collisions. According to the NHTSA (National Highway Traffic Safety Administration), speeding was a factor in 29% of all U.S. traffic fatalities in 2023.

3. Driving Under the Influence

Operating a vehicle under the influence of alcohol or drugs is another primary cause of collisions. Impaired drivers face reduced reaction times, poor judgment, and can jeopardize the lives of everyone on the road.

4. Reckless or Aggressive Driving

Tailgating, excessive lane changes, ignoring traffic signals, and aggressive behavior contribute to preventable accidents, leading to severe injuries or even fatalities.

5. Weather Conditions

Rain, fog, snow, and ice create slippery surfaces, reduce visibility, and make driving hazardous. While bad weather is unavoidable, cautious driving during inclement conditions is crucial.

6. Vehicle Defects or Malfunctions

Sometimes, accidents occur due to mechanical failures, such as brake problems, tire blowouts, or other manufacturing defects. These situations can lead to legal claims against manufacturers or mechanics.

Car accidents can cause a wide range of injuries, impacting victims both physically and emotionally. Common car accident injuries can include:

• Whiplash: A common neck injury caused by sudden movement during a rear-end collision.
• Fractures and Broken Bones: Broken arms, legs, ribs, or facial bones are frequently reported.
• Traumatic Brain Injuries (TBI): From mild concussions to more severe brain injuries, head trauma can have long-term effects.
• Spinal Cord Injuries: Damage to the spine can lead to paralysis or chronic pain.
• Lacerations and Bruises: High-speed collisions can result in cuts caused by shattered glass or debris.
• Psychological Trauma: Post-traumatic stress disorder (PTSD), anxiety, and depression can develop following severe accidents.

California law emphasizes the importance of exchanging information, rendering aid, and staying at the scene. Leaving the scene of an accident involving injury or death could lead to severe penalties, including felony charges.

Action Plan After an Accident:

• Check for injuries and call 911 if needed.
• Exchange contact and insurance information with the other driver(s).
• Document the accident scene with photos and videos.
• File a police report if required.

California drivers are required to carry minimum levels of auto insurance:

• $15,000 for injury or death to one person
• $30,000 for injury or death to multiple people
• $5,000 for property damage

Uninsured or underinsured motorist coverage is optional but highly recommended to protect yourself in case the other driver lacks sufficient coverage.
Tip: Consider purchasing higher coverage limits or umbrella insurance for greater financial protection.

The statute of limitations to file a personal injury lawsuit in California is generally two years from the date of the accident. For property damage claims, the timeframe extends to three years. Missing these deadlines can result in losing your right to seek compensation in court.
Important Note: If the party responsible for the accident is a government entity, you must file an administrative claim within six months of the incident.

California operates under an at-fault insurance system, meaning the driver responsible for causing the accident is liable for covering damages. Victims can pursue compensation through the at-fault driver’s insurance, their own insurance, or a personal injury lawsuit.
Example: If you’re hit by another driver, their liability insurance should cover the costs of your medical bills, property damage, and other losses.

California law requires drivers to report any accident that results in injury, death, or damage exceeding $1,000 to the Department of Motor Vehicles (DMV) within 10 days. Failing to report an accident can result in penalties, license suspension, or fines.
Tip: Always keep a copy of the California Accident Report (SR-1) form in your car for quick access, and verify if your insurance company has any additional reporting requirements.

California follows a “pure comparative fault” system, which means even if you are partially at fault for an accident, you can still recover damages. However, your compensation will be reduced by your percentage of fault. For example, if you’re found 25% at fault for an accident and your damages total $20,000, you’ll receive $15,000 instead.
Pro Tip: Gather as much evidence as possible, including photos, witness statements, and police reports, to present a strong case in minimizing your assigned fault.

While not all accidents can be prevented, adopting safe-driving habits and implementing proactive measures can significantly reduce your risk on the road.

• Avoid Distractions: Always keep both hands on the wheel and your eyes on the road.
• Follow Speed Limits: Stay within legal limits and adjust your speed based on traffic and weather conditions.
• Practice Defensive Driving: Stay aware of your surroundings, anticipate others’ actions, and maintain a safe following distance.
• Maintain Your Vehicle: Regularly check your brakes, tires, lights, and engine; service your vehicle as needed.
• Never Drive Impaired: Designate a sober driver or use ride-sharing services when consuming alcohol.