What to Do if You Are In a Car Accident

The Denver Post reports that more than 2.3 million drivers were treated for injuries from a motor vehicle accident in 2009. Although it seems odd to think of preparing yourself for a car accident, there are a few things you can do to make it easier to deal with a crash if one should occur.

1) If you are in an automobile accident, you should first secure your own safety - i.e. move to a safe location. However, do not leave the scene.

2) Next, call the police.  Too often, people are hesitant to call the police.  This can create problems if you are involved in a personal injury case, as the police are theoretically an independent observers and investigators.The accident report is an important document in the claim.

3) Record responding law enforcement officials names, as well as city and county information.

4) Get the contact information of the other driver and witnesses. If there are no independent witnesses, the police will conduct an investigation and prepare a report of the

5) Take photos of the accident scene. Use your camera phone to show the position of the vehicles and skid marks, as well as details of the damage.

8) Do not discuss fault with anyone. When a person discusses fault with the other driver, witnesses or  police, it can generally create more problems.  If you believe the accident was your fault and you tell the other driver or the police, it can be crippling to a potential case if it is later determined that the accident was not your fault.

7) Do not give a statement to the other driver's insurance company.  You are under no obligation to do so.  However you must cooperate with your insurance company.  Despite commercials to the contrary, insurance companies make money by paying out as little as they can when they receive a claim.

8) Go to the doctor or emergency room as soon as possible if you have any pain.  Delaying treatment if you are hurt may worsen your condition, as well as make it appear that you did not sustain any injuries in the accident.  Experts also suggest keeping a record of basic medications and allergies with you to assist doctors in the event you are unable to give them the information.

9) Don't miss doctor's appointments or physical therapy visits.  If you do miss an appointment, reschedule as soon as possible. If you miss appointments, you are telling the insurance company your injury is not significant.

If you have been injured in an accident, you need to speak to an experienced attorney.  Call The Law Office of Robert Paysinger, P.C. at 303-279-0221 or visit www.paysingerlaw.com.

Source: www.denverpost.com and The Injury Resource Guide.

Dangerous Driving: Colorado Ranks 9th for Most Uninsured Drivers

A new report produced by the Insurance Research Council indicates that Colorado has once again cracked the top 10 in terms of states with the most uninsured drivers.

The rate of uninsured drivers has been steadily increasing since 2006, three years after Colorado switched from a no-fault insurance system to a traditional tort liability system, which insurance companies argued at the time would lower premiums and decrease the overall number of uninsured drivers.

While premiums and uninsured drivers both decreased initially, the report indicates that the number of uninsured drivers is now steadily on the rise. With approximately 16% of drivers in Colorado illegally using their vehicles without insurance, Colorado ranks 9th highest out of the 50 states. This translates to an estimated 594,000 uninsured drivers in the state.

Adding to this confusing trend is the fact that Colorado's insurance premiums are lower than the national average, with costs of gasoline and vehicle repairs also being similarly low when compared to the rest of the country.

Lurking behind these statistics and figures appears to be a strong correlation between the rise in uninsured drivers and the rise in hit and run accidents in the Denver metro area. The sharp increase in hit and runs has been a primary concern of law enforcement and safety officials in the past few years.

These trends are concerning, because they indicate that Coloradans are choosing to be uninsured despite relatively low costs and extremely high risks.

One way to protect yourself from being stuck with high medical bills and costs from an accident with an uninsured motorist is to purchase UM/UIM (uninsured/underinsured motorist) coverage with your insurance company, which is generally available for a minimal cost addition each month.

If you are injured by no fault of your own in a hit and run accident, or by an uninsured motorist, you need to speak with an experienced personal injury attorney. Call The Law Offices of Robert Paysinger, P.C. today at (303) 279-0221  for a free initial consultation. We help injured people - it's all we do!

Source: Premiums Fall, Yet Motorists Still Choose to be Uninsured

Driverless Cars Are on the Horizon

The shift to driverless cars is on!  Scholars and researchers are estimating autonomous cars will make up 75 percent of vehicles on the road by 2040.  This will have a dramatic impact on many areas of our economy. 

  

Autonomous cars will affect infrastructure as the cars would have to communicate with the highway or street as well as with other cars to determine traffic and weather conditions.  Vehicles would be able to travel faster as alerts could be exchanged to regarding accidents or available parking places.  It would be possible to avoid accidents with information about where other vehicles are.

  

Another major change would affect transportation and mobility for many people who are currently unable to drive.  This would have a huge impact on the young, the elderly, and the disabled.  In fact, the appeal of using the commuting time to surf the internet or talk on the phone is a major attraction to millennials.

  

Many of the features which will be found in driverless cars will be available in the near future.  Driver assist systems including active cruise control, lane-keep assist are becoming more common in vehicles.   Volvo is introducing two new systems which will be offered in its’ 2016 XC90:  run-off road protection and auto brake at intersections.  

The run-off road feature detects when a car leaves the road and tightens the front safety belts to keep occupants cinched in their seats.  It also added energy absorbing cushioning between the seat and frame to help alleviate the occurrence of spinal injuries.  To keep drivers on the pavement, Volvo will add a Lane Keeping Aid, which applies extra steering torque when a vehicle unintentionally travels outside the lane.  Statistics from Volvo indicate that half of all traffic fatalities are due to road departure accidents, when a vehicle veers off the road.   Volvo has long been known for safety, so it is not surprising that they are at the forefront of new safety technology.

  

When it comes to research on driverless cars Google is way ahead of the competition.  Initially, the driverless car research was done on the Toyota Prius, and Google has a fleet of them around its California campus, and has tested them over approximately 300,000 miles.  It has since built its’ own version of the vehicle without a steering wheel.  Although the technology is advancing, many drivers are hesitant to relinquish control.   People may become accustomed to these new cars a little at a time. 

If you are injured in an auto accident by no fault of your own, you need to speak with an experienced personal injury attorney. Call The Law Offices of Robert Paysinger, P.C. at (303) 279-0221 today for a free initial consultation. We help injured people - it's all we do! 

Sources: New driver assist systems add extra layer of protection for occupants of upcoming all-new crossover. 5 Reasons Why Automakers Should Fear Google's Driverless Car