Single Car Accident Insurance Claims

Single-car accidents can be very difficult to prove on an insurance claim.

You will need to take careful steps to document your accident in order to receive compensation for damage.

WHAT CAUSES SINGLE CAR ACCIDENTS?

The leading cause of single car accidents is driver negligence.

Insurance companies almost always find the driver at fault.

However, there are a few exceptions which may allow for damage coverage

Phantom Car Accidents

If you swerve to miss another vehicle that is driving dangerously, you may be able to file a phantom car accident claim.

You will need to document everything very carefully!

Phantom Car Accidents are difficult to prove so...

Take photographs of the damage and do your best to remember the make and model of the vehicle that caused your accident.

File a police report as soon as possible!

Road Hazards

If your accident was caused by hazardous road conditions, you may be able to file a claim.

Your state and local government are responsible for maintaining safe road conditions.

Defective Car Parts

Vehicle manufacturers issue millions of recall notices every year due to the potential for defective parts

If your crash was caused by a defect in your car, you may be able to file a claim against the manufacturer.

DO I NEED TO FILE A POLICE REPORT FOR A SINGLE CAR ACCIDENT?

Colorado law requires that an individual file a police report for any accident resulting in injury or property damage.

If you are uninjured and there is little or minimal damage to your vehicle, you do not need to file a police report. 

If you do need to file a police report

You can do so by calling 911 or filling out an online form.

In Colorado, the form can be found on the Department of Motor Vehicles website.

Be aware that claims submitted there will not be investigated and are kept for records only. 

HOW DO I PROVE MY SINGLE CAR ACCIDENT CLAIM?

Take the following steps to help build your case:

Document Everything

Talk to a Witness

Speak With an Attorney