Multiple Car Accident and Insurance Issues

Any auto accident, whether it involves one vehicle or several leaves a trail of pain and suffering in its’ wake.  Motor vehicle accidents can happen anywhere at anytime and you could be involved in a serious accident that may result in debilitating injuries, which could threaten your well-being and financial security.  According to the National Highway Traffic Safety Administration (NHTSA), there are over 6 million accidents each year.  In most cases, someone else was responsible for those injuries due to negligence.

Accident Claims for Multi Car Accident

Car accidents can easily result in multiple vehicle accidents because other drivers may be unaware of the accident ahead of them and run into the rear of the cars already involved in the accident.  The types of injuries that may result from these multi car accidents can increase the harm to everyone substantially.  With the addition of other speeding cars hitting vehicles already involved in the accident, the resulting injuries may include a wrongful death.


The laws of negligence apply to all car accidents and the state where the incident occurred will decide on how the laws of negligence are applied.  In states that use comparative negligence, more than one party can be to blame for an accident.  A jury can decide who was at fault and to what degree or percentage they were at fault.  Factors such as speed, road conditions and distance between cars are only a few of the factors that a jury may use to decide who was negligent and to what extent they were at fault.  It’s possible that you could be responsible for a small percentage of the fault, but still be compensated for the injuries you suffered.

Each state has its own guidelines and statute of limitations for personal injury claims.  Therefore, it’s important that you don’t delay in bringing a lawsuit.  Claims for injuries resulting from an automobile accident may include compensation for:

  • Medical expenses
  • Pain and suffering
  • Loss of income or future income
  • Punitive damages for defective vehicles or defective repairs
  • On-going medical care
  • Loss of companionship or support
  • Loss of quality of life

Possible Insurance Impact

Car accidents usually result in an increase in insurance premiums.  Even if you are not responsible, your insurance company will have to incur some costs.  There is an increase in premiums and policy quotes because the accident will be rated against your coverage.  If you are found at fault for an accident, coverage such as personal liability and collision will cover you, your vehicle and personal injury to the other driver.

Insurance companies will charge “points” to your policy.  These points will remain on your policy for a period of time that can range from three to seven years.  You can normally expect a rate increase of between 20 to 40 percent.  The increase is based on the risk that you may be involved in another auto accident.  Some companies will absolve past accidents after a set period of time has elapsed.  This can range from 2 to 5 years, and you will have to show the insurance company that you are no longer a high risk driver.

Talk to an Experienced Injury Attorney

If you have been involved in a multi car accident, the best thing you can do is contact an experienced personal injury attorney.  Sometimes, multiple lawsuits are filed or defendants are joined in one common lawsuit.  You will need expert advice as the legal process can become incredibly difficult to navigate.