Causes of car accidents vary by state. Because each state has its own rules and regulations, the way people act within state boundaries while driving is greatly influenced by these laws. While improper turns are the main cause of car accidents in California, reckless driving is the leading cause of fatal crashes in Florida. Although New York is considered one of the safer states when it comes to car accidents, common driving errors can cause fatal crashes in this state as well.

Interestingly enough, drunk driving and speeding are not the major causes of crashes in New York. So, what is the main reason for car accidents in New York in 2016?

Being inattentive while driving has emerged out to be the leading cause of automobile accidents in New York in 2016. Today’s drivers are equipped with handheld electronics like cell phones for instance. These smart devices have significantly raised the concern of distracted driving. Thus, distractions while driving are a major contributing factor in car accidents.

According to a study performed by the researchers from the Virginia Tech Transportation Institute, two-thirds of drivers involved in automobile accidents are distracted in the seconds before an accident.

Other than using cell phones, drivers who are distracted by reading, writing, using touchscreens on their dashboard or reaching for something while driving more likely get involved in fatal car accidents.

Distraction: The Leading Cause of Car Accidents in New York:
Distractions are dangerous. Engaging in distracting activities while you are behind the wheel cannot only risk your life but of some other attentive driver on the road as well. Most of the car accidents are so severe that they often lead to the victim’s death. Car accidents can negatively affect someone’s life physically, emotionally and even financially.

Someone else’s distraction while driving a car, truck, motorcycle or any other vehicle can involve you in an unwanted and deadly crash. From medical expenses to having your vehicle repaired, you will have to bear several high end expenditures as a result of a car accident.

Thousands of car accidents are reported in New York annually, and a significant number of these crashes result in deaths. Even the victims that survive deadly car crashes have to deal with severe injuries beyond repair for the rest of their lives. If you or your loved one has endured one of these car crashes recently involving an inattentive driver, you are liable for compensation. Click here to contact a car accident attorney for filing a claim against the driver’s insurance.

Whether you were hit while making a turn or some other driver failed to stop at a red light and collided with your car, you can obtain compensation to pay for your medical costs. An experienced and knowledgeable attorney can help you with the entire compensation case so that you can focus on your recovery.

Because of the no fault insurance system of New York, you can recover damages irrespective of fault and also ease out the burden of personal injury lawsuits in the local court.

Being involved in a car accident is definitely devastating. What can make the situation worse is that if it’s a hit-and-run accident. Even if you have an insurance policy, your insurer won’t be able to have access to a third party to make a claim for the damage done. This would leave you high and dry unless you’re lucky enough to find the culprit later on. In situations like this, the best thing would be to hire an attorney. He will help you discover ways on how can still make a claim despite that it’s a hit-and-run accident. Other than that, here are the steps that you should keep in mind if ever you’ll be involved in one.


1. Gather As Much Evidence as You Can

Try to stay calm and take clear pictures of your vehicle. It should show the damage from all the important angles. Aside from that, don’t forget to take pictures of the area where the incident happened. Image quality is very important. Try to jot down the things you can remember. This includes what happened before and after the collision, and other necessary details about the vehicle. If you managed to have a glimpse of the other car’s plate number, then write this one as well. Having the plate number makes submitting a claim way easier, as you’ll be able to receive a reimbursement from your issuer for doing so.

2. Come Up with a Police Report
In a hit-and-run accident, leaving the scene of the crime is considered to be a very serious offense. The driver of the hit and run vehicle would have to face legal consequences once caught. As for the victim, it’s your responsibility to provide all the necessary information that you can gather about the incident. This would increase the chances of having the driver apprehended because of his carelessness. To ensure that, call the police as soon as possible. Ideally, right after the accident. If you’re driving when the accident happened, check if none of the passengers were injured and move the car to safety.

3. Report the Accident to Your Insurance Company
After the police have taken a report, the next step would be to report the accident to your insurance company. Due to the fact that no other driver would be involved in taking care of the damage and shouldering liability, this would be handled by your own policy. Hit and run accidents are the only type of car accident which the car owner is not at fault. That said, he won’t be asked to pay for the collision deductible and in most cases, this would be handled by the company. The reason behind this is that no other insurance company is involved to pay for the damages, and you are neither at fault. Hit and run accidents are usually covered by collision coverage, and so, if you don’t own this policy, then it’ll be hard for you to file a claim. Likewise, since you’re not at fault, this would also increase your premiums and the deductible would only be your responsibility in the repair.

The term “totaled” is derived from the insurance term “total loss”. When a commercial truck is declared as totaled after an accident, the damaged vehicle is sold as salvage, and the insurer pays the truck’s actual cash value (or ACV) to the owner, lienholder(s), or a combination of the two. Owners whose trucks are totaled are allowed to negotiate with the insurance carrier for the ACV compensation, but are second in line behind lienholders for recovered money. Insurance companies exercise their right to declare a truck as totaled to protect their economic interests, though it’s commonly mistaken to be a characterization of the truck’s road-worthiness. Before they exercise this right, they will take these three considerations into account. Read on to learn about how insurers determine that a commercial truck is a total loss.

Cost Of Repairs

Typically, commercial trucks are declared as totaled when the cost of repairs is higher when compared to the value of the truck itself. But, practically speaking, it doesn’t always make economic sense to repair a damaged truck, even if repairs are less than its ACV. Commercial trucks are large vehicles, which are expensive to fix. A large Mercedes 4×2 truck worth $200,000 requiring $150,000 in repairs will typically be considered to be totaled even though the cost to repair is less than its ACV before the accident. Insurers will often consider such a truck to be totaled, even though the repairs are only 75% of ACV. In determining whether or not a commercial truck is a total loss, insurance carriers will calculate the cost of repair/actual cash value ratio, which is called the total loss ratio or damage ratio. After calculating this ratio, the company will compare it to their limits as set internally by themselves. The formula for calculating this ratio and criteria for determining whether a commercial truck is totaled vary from company to company.

Damage To The Vehicle

A severe amount of unibody damage to a truck will lead to it being totaled. This is because unibody damage to a commercial truck can be costly and complicated to repair. The damage may also be severe enough that state and federal laws require the vehicle to be declared as totaled due to compromised safety or other reasons.

State Statutes and Regulations

Some states have laws governing how insurance calculate and compare cost of repairs vs. actual cash value of vehicles before declaring them as total loss. These states essentially regulate how high this ratio needs to be in order for an insurer to be allowed to declare a truck as totaled and be eligible for a certificate of or title to the salvage vehicle. This set percentage of cost to repair/actual cash value is called Total Loss Threshold (or TLT). In states where the percentage of TLT is dictated by the statutes, an insurer must consider what the law says before declaring a truck as totaled; and they cannot just use their own formula as set internally.

But, it’s also worth noting that there are specific exceptions to these laws particularly when it comes to older vehicles. For example, there are certain states with specific laws that allow insurance carriers to declare a truck or any other vehicle a total loss even if the cost of repair plus its salvage value is considerably less than the ACV. Such exceptions can complicate matters when it comes to understanding the amount of money you can recover as ACV for your truck.

What’s more, in some states, drivers have recourse when their truck is totaled and have a say in determining what happens to the damaged vehicle. In these states, the policyholder can request the title and totaled truck be returned to them; and in such a case, the insurance carrier will return the damaged vehicle and deduct the salvage value from the claim.

So, there are many factors that come into play when it comes to declaring a commercial truck a total loss. Understanding all the rules, thresholds, and criteria used in in the process. But, whether or not you understand the procedure behind it, one thing you must do when your truck is totaled is to question and negotiate the ACV on your totaled vehicle. This is because the insurance carrier will typically make a conservative initial offer. And even when you negotiate for a fair amount, the at-fault party and their insurance company or attorney will always question the amount of money you are looking to recover. In these such instances, engaging the services of an insurance agent or a lawyer who has a working knowledge and experience in truck accidents and insurance can be very handy. This professional can help you negotiate and achieve a successful subrogation claim that truly compensates you for your loss.

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