Liability for a rear-end collisions typically are relatively clear. While exceptions exist, like sudden stops for no reason, it is rare. But in some instances after the adverse driver causes a rear end collision the insurer denies coverage.
Why rear end collisions are so wide-spread
Distracted driving is a primary reason for rear-end crashes and the reason for their prevalence. We previously prepared a separate writing on distracted driving. In our experience as car accident attorneys, we find the following list of distractions are typical in rear end collision cases:
- Daydreaming
- Internet browsing and social media
- Social media
- Eating or drinking
- Adjusting automobile controls
- Grooming
The National Highway Traffic Safety Administration recently reported distracted driving claimed 3,275 lives in 2023. Passenger vehicle rear-end collisions often result in significant injuries and fatalities. Access to insurance is critical.
Rear ended but coverage denied; why insurers sometimes deny coverage for rear end collisions
In our experience, various reasons underlie insurer reasons for coverage denials involving rear end collisions.
A few examples witnessed in our practice include disgruntled claim adjusters, departmental policy and retribution. And if you are not represented by counsel the desire to have you allow the claim to languish beyond the statute of limitations can be at play.
If you are not represented by a competent personal injury lawyer in this scenario, hire one promptly. In our experience, the involvement of a seasoned personal injury attorney can eliminate the potential for an arbitrary rear end coverage denial.