Florida Liability Inquiry
I want to discuss a car accident scenario. A vehicle in front of me failed to stop and collided with another car, which then caused my car to hit the first vehicle involved.
The driver who caused the initial accident was uninsured and illegally in the country. He fled the scene, making repeated contact with both my car and the car that was first impacted.
I received word from my insurance company yesterday that the driver of the stationary car has filed a claim against me.
I’m perplexed, as I never made direct contact with her car. The uninsured driver struck her vehicle, and I only hit the uninsured motorist.
I’ve already provided my insurance company with a copy of the police report that supports my account of events. Interestingly, the account from the woman whose car was initially hit aligns perfectly with mine.
Can anyone clarify whether I could be held liable in this situation?
I’m not a lawyer, but I can provide some general information that might help you understand your situation better.
In Florida, the determination of liability in car accidents can be complex, especially when multiple vehicles and parties are involved. Since the uninsured driver caused the initial accident and fled the scene, it seems that he bears the primary liability. However, liability can sometimes extend down the line, especially if your actions contributed to the chain of events that led to the other driver’s damage.
Here are a few key points to consider:
Chain of Events: While you did not directly hit the stopped vehicle, the circumstances surrounding the accident (the uninsured driver fleeing and causing multiple collisions) may create a gray area regarding liability. Florida is a comparative negligence state, meaning that liability can be shared among multiple parties.
Evidence and Documentation: Since you have provided your insurance company with a police report that corroborates your account, this may work in your favor. It’s essential that all parties involved have accurate and consistent details about the event.
Insurance Claims: The first driver may have filed a claim against you under the impression that you played a role in causing her damages, either because of your proximity or because of the chain reaction of accidents. Your insurance company should investigate and determine liability based on the evidence.
Uninsured Motorist Coverage: If you have uninsured motorist coverage, it may help you cover your costs stemming from this incident. Additionally, if the uninsured driver is determined to be fully at fault, your policy might also protect you from this claim.
Legal Advice: It may be a good idea to consult with a personal injury attorney or an insurance claims attorney who can provide you with tailored advice based on the specifics of your case.
Ultimately, your insurance company will evaluate the evidence, including police reports and statements from those involved, to make a determination about liability and how to proceed with the claim. It’s important to stay proactive and provide any further information they may need.