Recently in Auto Accidents Category

June 2, 2014

Car and Truck Crashes Are Costly

The National Highway Traffic Safety Administration published a report last week in which it was reported that the economic and societal harm from motor vehicle accidents amounted to $871 billion in 2010.

In 2010, there were almost 33,000 deaths, 3.9 million people were injured and 24 million motor vehicles damaged, as a result of car and truck crashes. Out of the estimated $871 billion economic and societal cost of car and truck accidents $277 billion was attributed to economic costs; that equals to an average of $900 for every person living in the United States. $594 billion included harm from loss of life, pain and decreased quality of life due to injuries from car and truck accidents.

The economic cost of $277 billion, in the U.S., means that is the equivalent to almost 2 percent of the United States gross domestic product. These factors included productivity losses, property damage, and cost of medical treatment, legal and court fees, emergency services and insurance administration and costs to employers. Nearly three quarters of these costs are paid through taxes and insurance premiums.

There are several behavioral factors that contributed to motor vehicle accidents, all of which can be avoided:

1) Driving while intoxicated/impaired by alcohol or other drugs;
2) Speeding;
3) Distracted driving, and;
4) Lack of seat belt use

Alcohol related driving accounted for $199 billion, in other words 23 percent of the $871 billion. Crashes involving speeding account for $210 billion or 24 percent, distracted driving accounted for $129 billion or 15 percent, and, lack of seat belt use accounted to $72 billion or 8 percent.

All of these factors could have been avoided and prevented by drivers. It is imperative that drivers realize that driving is a privilege and not a right, and, therefore; needs to be taken seriously. Not only is your life in your hands, but the lives of everyone on the road. Responsibility is a key factor. Every person on the road needs to be alert, knowledgeable of the rules of the road and conscience of their actions at all times. If we do all we can to be safe drivers, these economic and societal harms can and will be avoided and therefore; less costly to human life and our Nation as a whole

April 29, 2014

2014 List of Top 10 Vehicles that Cause the Most Property Damage

Insure.com recently released the 2014 list of vehicles that cause the most property damage when involved in automobile accidents. The list is mainly comprised of pickup trucks and SUV's. Vehicles that tend to weigh more than passenger vehicles. The vehicles on the list tend to generate the biggest property damage claims and therefore; carry the heftiest liability insurance bills of the more that 750 2014 model year vehicles analyzed by Insure.com in its annual car insurance comparison study.

The top 10 vehicles considered to carry the biggest liability bills and therefore are likely to cause the most property damage are:
1) Ford F-250
2) GMC Sierra 2500
3) Ford F-350
4) Ram 1500
5) Infiniti QX80
6) Dodge Durango
7) Toyota Tundra
8) Jeep Grand Cherokee
9) Cadillac Escalade
10) Chevrolet Silverado 1500

The property damage liability portion of a persons' automobile insurance policy is generally a reflection of claims made against other owners of the same kind of vehicle. Property damage liability coverage pays when you damage someone else's car or property. Most drivers carry much lower limits on property damage liability than for bodily injury, that way their insurance premiums can be lower/smaller.

Regardless of the vehicle you own, premiums can and do differ from state to state and vehicle to vehicle. The common element however, is that the vehicles that cause the biggest property damage are vehicles with bumpers that do not match up with the bumpers found on sedan, coupes or passenger cars.

It is the height difference in bumpers between vehicles that cause the greatest damage. The federal government sets minimum bumper performance requirements for passenger vehicles, but those regulations do not apply to vans, SUV's or pickup trucks. Hence, SUV's , vans and pickup trucks have bumpers that are anywhere between 20-26 inches higher from the ground then passenger vehicles. Passenger vehicles are usually only 16-20 inches higher than the ground. This means that when trucks and SUV's collide with passenger vehicles, their bumpers can no right past each other, and depending on the force of the impact, can bypass the bumpers and go directly into the body of the vehicle and therefore; cause greater damage. Sometimes, bumpers overlap or even slide off each other, instead of becoming engaged, and therefore the result is extensive vehicle body damage.

April 10, 2014

What Is Personal Injury Law

What is Personal Injury Law: It is a legal term or an injury to the body, mind or emotions. It covers physical injuries, mental injuries and death that result from the negligence or intentional misconduct of another person, group of individuals, or entity. The most common types of personal injury claims are automobile traffic accidents, accidents in the workplace, slip & fall or tripping accidents, assault claims, accidents in the home and defective products. Also, included in the personal injury realm are medical and dental accidents, which can lead to medical negligence claims.

Depending on how bad the injury to the person is and the level of intent or negligence of the responsible party, the injured person may be entitled to monetary compensation from the at fault party through a settlement or a judgment.

Most personal injury attorneys represent their clients on a contingency basis or a contingency fee retainer agreement. This means that the attorney's fee is a percentage of the plaintiff's (injured party) eventual monetary compensation, payable to the attorney, once the case is resolved and settled, with no payment necessary if the case is unsuccessful. Also, when in this type of contract with a personal injury attorney, the attorney will pay all upfront costs and fees, which can include costs for obtaining medical records, copies, postage, faxes, correspondence, and obtaining police reports. These upfront costs and fees are reimbursed back to the attorney once the case settles and is separate then the attorney's fee for representation.

Damages: Damages are categorized as either special and/or general. Special costs are measured and itemized to include medical expenses, loss of earnings, property damage and other out-of-pockets expenses. General costs are less measurable such as pain and suffering, loss of consortium and emotional distress. Personal injury claims include and consider both special and general damages when a claim is submitted to an at fault party.

The amount of compensation for special and general damages in a personal injury claim depends on the severity of the injury, the amount of treatment received and whether or not an injury is permanent in nature. The worse the injury is, the greater the compensation.

Time Limitations: In the United States, each state has different Statutes of Limitations - laws that determine how much time you have to file a legal claim. Different types of injuries have different statutes of limitations. In Maryland and the District of Columbia the Personal Injury Statute of Limitations to file a claim is 3 years from the date of accident and in Virginia it is 2 years from the date of accident.

Personal Injury Claim Settlements are not taxable. Therefore; any monies awarded on a personal injury claim you do not have to claim on your taxes. The official statement from the IRS states:

"If you receive a settlement for personal physical injuries or physical sickness and did not take an itemized deduction for medical expenses related to the injury or sickness in prior years, the full amount is non-taxable. Do not include the settlement proceeds in your income."

March 4, 2014

What to Do When You Are Involved In An Automobile Accident

More than 5 million automobile accidents occur each year, nationwide, according to the National Highway Traffic Safety Administration. If you were involved in an accident, would you know what to do and what information to obtain in order to set up an insurance claim? Well here are some helpful hints and tips for you to do following a crash.

1) Be Prepared - this means that before you hit the road, it is important that you understand your automobile insurance policy and the coverage that you have. Your automobile insurance follows the vehicle, not the driver. Therefore; it is important that you carry a current insurance card in the car along with the registration to your vehicle. If needed, have your insurance agent explain all the coverage you have and the specific elements included in our policy. Such things as: your deductible, collision coverage, what your liability coverage limits are, Personal injury protection or medical payments coverage, uninsured and underinsured limits, etc. All these items help protect you when you are involved in an accident and the other driver is held at fault or responsible for the collision.

2) After you are involved in an accident, it can be a hectic and stressful situation. It is sometimes difficult to remember what to do, but the most important thing is to obtain the following information from the other person or persons involved in the accident: their name, their insurance information; which should include; name of the insurance carrier and policy number.

3) The following should be done immediately after the accident occurs:
- Assess the scene and try and remain calm.
- Call the police and inform them of any injuries. If the police cannot be immediately dispatched to you, make sure and file and incident report over the phone.
- Do not admit fault at the scene. Be courteous to the other party, but do not admit fault.
- Take photographs of the damage to all vehicles involved and damage to any property surrounding the area.
- Exchange your name and insurance information with the other party; and
- Obtain the names and contact information for any witnesses.

4) Filing a Claim - It is important to file a claim with the insurance company as soon as possible. It is at this time that details of the accident are still fresh in your mind. When you make the initial call to your insurance carrier make sure and have all the information you obtained from the other party, witness information and if available; the incident or police report number, so that a copy of the police report can be obtained. Once the claim has been set up you will be given a claim number and the contact information for the representative assigned to your claim. Your insurance company should be able to contact the other insurance company involved and establish liability. Once it has been determined who was at fault for the accident your property damage can be taken care of. You will be given information for body shops and collision centers the insurance company deals with directly, if not you can chose your own shop, but it must be certified and have all the proper licenses to operate. A rental vehicle may be given to you, depending on the coverage, while your vehicle is being fixed. If your vehicle is deemed a total loss you will have the option of keeping your vehicle as a salvage or to turn over your vehicle to the insurance company. The choice is yours. As far as your medical expenses and treatment, that is covered by the at fault insurance carrier. Make sure and keep copies of all medical bills, records, prescription receipts and any other out of pocket costs you may have to submit to the insurance company so your claim can be properly examined.

5) Retain an attorney that specializes in automobile accidents and personal injury cases. Once you obtain an attorney they will handle all aspects of your claim directly with the insurance company. Your only job, after you obtain an attorney, is to get better, get the proper medical treatment and make sure you reach maximum medical improvement.

When a person is involved in an automobile accident and is injured, it is important to seek the aid of an experienced attorney. It will be the attorneys' responsibility to get you the best possible monetary settlement in order to cover all your medical expenses and compensate you for your pain and suffering. So, when you have been involved in an automobile accident, make sure and contact our office and we will do all we can to get you the best possible result.

August 21, 2013

Crash Statistics for the State of Maryland

Automobile accidents are the number one killer of people between the ages of 4 and 34 years of age. More people are killed in Maryland by automobile accidents than homicides. Out of all the accidents that occur in Maryland it is determined that 90% of them could have been avoided and are as a result of driver error. See the charts below:
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April 17, 2013

Traffic Accidents Still Leading Cause of Teenage Deaths in the U.S.

In the United States, traffic accidents are still the leading cause of teenage deaths, according to a report issued in April 2013 by the Center for Injury Research and Prevention at the Children's Hospital of Philadelphia (CHOP) and State Farm Insurance. The main causes of teenage car accidents, according to the report, are texting while driving, driving while intoxicated, driving while under the influence, distracted driving, speeding and lack of seat belt use. Speeding in particular counts for more than half of fatal crashes which involve teens ages 15 to 19 years of age. As for texting while driving, the report states that one third of teen driver's still report texting, messaging and/or emailing while driving.

41 percent of car accidents studied in the CHOP report stated that teens had a blood alcohol content level higher than 0.01, which is an increase from 38 percent when the same study was conducted in 2008. Therefore; it is estimated that teens have car accidents at four times the rate of adult drivers ages 25 to 69.

The report states that by reducing distractions from passengers and technology, improving skills in scanning, hazard detection, speed management and increased seat belt use would lower teen crashes and ultimately teen fatalities. Parents are also encouraged to enforce tougher rules and limitations to their new licensed teen drivers. Such as, limiting the number of friends their teens may have in one vehicle at any given time and to make their vehicles a no phone zone, which means that the driver is not allowed to use their cell phone until they have reached their destination. Handheld or hands-free devices should be included. Also, parents should set time limits to their new licensed teen drivers. Make sure these teens are not driving too late into the evening, in the dark, too early in the morning or for too long a period of time.

If both teens and parents educate themselves to the rules of the road and sit down and make sure that limits and rules are set for teen drivers, then teen car accidents and fatalities as a result of teen car accidents would decrease in a major way. Remember that driving is a privilege and not a right; therefore, it is a responsibility that we all must take seriously, teen or adult. Everyone should take responsibility for themselves and others when operating a motor vehicle.

November 26, 2012

Young Adults More Likely to Drive Drowsy

The AAA Foundation conducted a survey recently which found that young people, between the ages of 16-24, are more likely to drive drowsy than older people. It is estimated that one in seven licensed young drivers admitted to having fallen asleep behind the wheel at least once while driving in the past year, when compared to one in ten of all licensed drivers who confessed to falling asleep during the same time period. The AAA Foundation estimates that one in six deadly automobile crashes involve drowsy/sleepy drivers.

Sleep deprivation can impair drivers by causing slower reaction times, vision impairment, lapses in judgment and delays in processing information. It has been determined that being awake for more than 20 hours results in an impairment equal to a blood alcohol concentration of .08%, which is the legal limit in all of the United States.

Therefore; if you are feeling sleepy/drowsy, do not get behind the wheel. Before attempting to drive an automobile, please do the following:

- Make sure and get at least 8 hours of sleep
- Don't be rushed to get to your destination. Make sure and give yourself enough time to arrive at your destination
- Avoid driving long distances alone
- Take a break every 100 miles or 2 hours, whichever comes first
- Take a nap if needed. Find a rest stop and take a 15-20 minute nap. This allows your ssystem to recharge
- Do not use alcohol or medications that may make you drowsy
- Avoid driving at times you normally sleep
- Consume Caffeine. It has been proven that caffeine increases alertness

November 1, 2012

Your Genes May Determine the Level of Pain Felt After an Automobile Crash

New research conducted by scientist from the University of North Carolina has found that genes play a role in the amount of pain and the severity of pain a person experiences after being involved in an automobile crash.

Two studies were conducted and data from 948 adult automobile accident victims were collected to determine that certain inherited genetic variations affect the response to pain intensity both immediately after an accident and up to six weeks after. The adult participants of these two studies provided blood samples after being treated in an emergency room and were also evaluated for extent and severity of pain at a second emergency room visit six weeks later.

The first study conducted examined the role of the neurotransmitter drug called Dopamine, which helps regulate pain. The pain levels felt immediately after an automobile crash was varied based on genetic variations associated with the use of Dopamine.

The second study evaluated the role of hypothalamic pituitary adrenal axis - a hormonal system - which helps regulate the body's response to stressful events and situations. It was found that a gene variant was linked to a 20% higher risk of moderate to severe neck pain six weeks after an automobile crash, as well as greater overall body pain.

This research will allow us to find new ways of tailoring pain treatments to each individual patient in order to alleviate pain suffered as a result of an automobile crash, both immediately after a crash and weeks after.

October 25, 2012

No Correlation between Car Accidents and Size of Cities

Frequency of Car Accidents is completely unrelated to the size of the city in which you live in. A recent report released by the automobile insurance Allstate, which was conducted in various major cities has come to show that the size of the city does not directly influence the likelihood of an automobile crash. The report is titled "Allstate America's Best Drivers Report". The report states that the District of Columbia and Baltimore, Maryland have the shortest time between accidents, while Sioux Falls, South Dakota, Boise, Idaho and Fort Collins, Colorado have the longest periods between accidents. Therefore; Allstate considers Sioux Falls drivers the "safest drivers" in the United States.

Living in a larger city does not necessarily mean you are at a higher risk of being involved in an automobile accident. Car accidents are a major health hazard, regardless of where you live, because they are the leading cause of death for persons between 5-24 years of age. In 2009, 2.3 million adult drivers and passengers ended up in emergency rooms as a result of automobile crashes, according to the Centers for Disease Control and Prevention (CDC). In 2011, the U.S. saw the fewest number of automobile fatalities since 1949, but that still meant that 32,000 people were killed.

Accidents can happen anywhere and at any time. It is up to the driver to stay alert, follow driving laws, not drink and drive, wear their safety belts and not text or talk on a handheld device while driving.

October 3, 2012

Older Driver Safety in Maryland, Virginia and the District of Columbia

According to the Associated Press, older drivers are on the road more than ever before. Nearly 34 million drivers are 65 or older. By 2030, deferral estimates show there will be about 57 million, making up about a quarter of all licensed drivers.

Older drivers have the highest rate of deadly crashes per mile even though they don't drive as often as younger drivers. Measured by miles driven, older drivers crash rates begin to rise in their 70s and even more in their 80s, according to the Insurance Institute for Highway Safety.

Health Issues can also impair older drivers. Health issues such as: arthritis and dementia, slower reflexes and they also use multiple medications, which can impair their driving. On average, about 60% of seniors voluntarily cut back their driving. Most avoid driving at night, on interstates and during bad weather. Older drivers seem to have more difficulty with intersections, making left turns, and changing lanes and/or merging. This is due to their gradual decline in vision and reaction times that come with aging.

In the District of Columbia seniors are required to have more vision tests, are required to renew their licenses more often than younger drivers and starting at the age of 70, older drivers must submit a doctor's certification that they are healthy enough to drive every time they renew their licenses. In Maryland, the Motor Vehicle Administration requires all people, starting at the age of 40, to take eye exams, and in Virginia, starting at the age of 80, drivers must renew their license in person and also pass an eye exam.

The National Highway Traffic Safety Administration proposed a national guideline for older driver safety earlier this summer. The proposal recommends that every state needs a program to improve older driver safety, doctors should be protected from lawsuits id they report a possibly unsafe driver and driver's licenses should be renewed in person after a certain age. These recommendations would push states to become more consistent and have safer roads.

September 25, 2012

"Give Bikes 3 Feet When Passing - It's the Law", in Maryland

In October of 2010, the state of Maryland enacted the vehicle law, SB 51, which states the rules of the road in regards to keeping three feet of space between a vehicle and a bicyclist when passing a bicyclist. This includes bicycles and motor scooters.

Therefore, a new campaign was announced by the Maryland Motor Vehicle Administration (MVA) this week for Cyclists in order to remind drivers and bicyclists that the SB 51 law exists. The new campaign is being called the "Give Bikes Three Feet When Passing - It's the Law" in order to promote bicycles safety.
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It has been proven that in the fall months more people use bicycles to commute around Maryland, D.C. and Virginia, therefore; the MVA added this new slogan to their outer envelopes of more than 120,000 vehicle registration renewal notices and in addition, distributed over 5,000 yard sticks (3 feet in length) all over Maryland to visually illustrate the distance drivers must provide when overtaking a bicycle.

This new campaign will educate the public and possibly change behaviors in order to have fewer bicyclists injured and killed on Maryland roads. It mainly means that everyone should share the roads. For more information, please visit the www.mva.maryland.gov

September 18, 2012

Maryland Law Requires Police Officers on Duty to Wear Their Seat Belts to Save Their Lives

Maryland police officers are dying in motor vehicle accidents more than by any other reason in the last few years. As a matter of fact, according to Larry Harmel, the executive director of the Maryland Chiefs of Police Association, nine out of the last 11 Maryland Police officers that died in the line of duty were killed as a result of automobile accidents.
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Just last month, Officer Adrian Morris was killed while in a high speed chase on I-95. Officer Morris was swerving to avoid hitting other cars when he lost control of his vehicle, flipped several times and was ejected from his vehicle and died. Officer Morris was not wearing his seat belt at the time.

According to the National Highway Safety Office, more than four out of 10 officers, between 1980 and 2008, were killed in the time of duty as a result of car crashes, and these officers were not wearing their seat belts at the time of their accidents.

Maryland and the District of Columbia make it mandatory for all police officers to wear seat belts while inside their cruisers/vehicles. Virginia, however, is one of the 10 states that exempt officers from seat belt laws while in the line of duty.

Therefore, all Police officers in the state of Maryland and the District of Columbia are being urged to buckle up in order to avoid preventable deaths.

September 10, 2012

Dangers of Distracted Driving

The University of Maryland Medical Center (UMMC) has published the following video regarding distracted driving and how it can and does cause a lot of automobile accidents. The Motor Vehicle Administration (MVA) also helped and participated in the making of this video. The video was created because 152,000 people were injured as a result of distracted driving between 2007 and 2011. Out of these 152,000 people injured, 1,100 of them were killed as a result.

August 30, 2012

Your Vehicle Is In Danger of Being Hacked by Computer Viruses

Computers and electronic communication systems that are installed in today's modern vehicles have the hazard of being hacked. Intel's McAfee, one of the best known software companies that fight PC viruses, is currently working to protect these computer and communication systems so that viruses can not affect your modern vehicle.

Automakers have failed to adequately protect these systems, leaving them vulnerable to hacks by attackers looking to steal cars, eavesdrop on personal conversations and even harm passengers by causing vehicles to crash automatically.

According to the SAE International, no violent attacks using computer viruses have been reported to date.

These viruses, worms and Trojans can be delivered to your automobile through onboard diagnostics systems, wireless connections and even tainted CDs played on radio systems.

The concern for automobile computers and electronic communication systems being hacked came from research conducted by a group of computer scientists from the University of California and the University of Washington, who published two research papers, in May and August of 2011, showing that computer viruses can infect cars and cause them to crash, harming both the driver and passengers. This group of computer scientists figured out how to attack vehicles by putting viruses onto compact discs. When victims try to listen to the CD, the vehicle is infected through the car radio and can make its way across the network and other vehicle systems. One of their examples is an attack called "Self Destruct". This is when a 60 second timer pops up on a car's digital dashboard and starts counting down. When it reaches zero the virus can immediately shut off the vehicle's lights, lock its doors, turn the engine off and release or slam on the brakes.

Therefore; the SAE's Vehicle Electrical System Security Committee, a committee of more than 40 industry experts, is working hard to develop specifications which would reduce the risk of vehicles being infected with viruses.

August 7, 2012

Automobile Fatalities on the Rise in Virginia

In the first three months of 2012 traffic deaths in the state of Virginia have jumped by 13.5 percent, compared to last year, according to the National Highway Traffic Safety Administration (NHTSA). So far this year, there have been 403 reported automobile accident related fatalities. The reason for the higher number of deaths this year is because a lot of the automobile accidents involved multiple fatalities per accident.

The number of traffic deaths nationwide has also increased. According the to the NHTSA there have been an estimated 7,630 automobile related deaths in the first three months of 2012, making it the second largest year-to-year quarterly increase in fatalities since the NHTSA started recording traffic fatalities in the mid 1970's.

The fact that we had a mild winter also has something to do with the increase in motor vehicle accident fatalities. That is because the milder the weather the more people go outdoors and drive. Severe weather keeps people off the roads, but milder weather conditions make people want to travel more.
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According to the Federal Highway Administration, vehicle miles traveled in January, February and March of 2012 increased by about 9.7 billion miles, 1.4 percent more than 2011. That means that the more miles traveled, the higher the risk of being involved in an automobile accident, therefore; drivers need to be more careful and practice safer driving, which include, but at not limited to, making sure one is buckled up, giving oneself plenty of time to get to your destination and never drive while impaired by alcohol, drugs and/or when tired.