Off-roading is an exhilarating way to explore Arizona’s rugged terrain, but accidents can happen, even when all precautions are taken. As a passenger in a single-vehicle collision, you may face serious injuries and uncertainty about your options for recovery. Understanding your rights and avenues for compensation is crucial.
Driver Liability in Single-Vehicle Collisions
In single-vehicle collisions, the driver is often held responsible for injuries sustained by passengers. Common causes of such accidents include:
- Driver Negligence: Speeding, reckless driving, or impaired operation.
- Vehicle Malfunction: Faulty brakes, defective tires, or other mechanical issues.
- Environmental Factors: Poor trail conditions or unforeseen obstacles.
Passengers injured in these accidents can file claims against the driver’s liability insurance to seek compensation for:
- Injuries
- Medical expenses
- Lost wages
- Pain and suffering
Uninsured and Underinsured Motorist Coverage (UM/UIM)
If the driver’s insurance policy is insufficient to cover your injuries, or if the driver is uninsured, Uninsured Motorist (UM) and Underinsured Motorist (UIM) policies can provide a safety net.
- UM Coverage: Pays for injuries when the at-fault driver has no insurance.
- UIM Coverage: Covers the difference when the driver’s liability limits are too low to fully compensate for your injuries.
It’s important to check if the off-road vehicle’s insurance policy or your own personal auto insurance includes UM/UIM coverage. In many cases, this additional layer of protection can significantly aid your recovery.
Medical Payment (MedPay) Coverage
Some insurance policies also include MedPay, which provides immediate payment for medical bills regardless of who is at fault. As a passenger, you can benefit from this coverage to address your immediate medical needs.
Steps to Take After an Off-Road Injury
- Seek Medical Attention: Prioritize your health by visiting a doctor or hospital immediately.
- Document the Accident: Take photos of the scene, injuries, and vehicle damage. Collect contact information from witnesses, if available.
- Report the Incident: Notify the vehicle’s insurance provider and your own insurer about the accident.
- Consult an Attorney: Navigating insurance claims and liability issues can be complex. An experienced attorney can ensure your rights are protected.
Why Hire Catastrophic Injury Attorneys?
Off-road injuries often involve unique challenges, including questions of liability and insurance coverage. The Catastrophic Injury Attorneys are experienced in handling such cases and can help you:
- Investigate the accident to determine fault
- Negotiate with insurance companies to maximize compensation
- File claims under UM/UIM or MedPay policies
- Pursue legal action if necessary
Call Catastrophic Injury Attorneys at: 480.272.3522 for a free consultation today.
Disclaimer
Catastrophic Injury Attorneys only practices law in Arizona. This article is intended for informational purposes only and does not constitute legal advice. Always consult with a licensed attorney for specific legal guidance.
