With every season comes possible driving hazards. For us in the New England area, I’m sure icy snowy conditions come to mind. But have you ever considered the danger of fallen leaves? More particularly, wet leaves? Living in Connecticut, drivers may be zipping around before winter rolls in. We all love our football games, fairs, and firepits; but we may need to slow down getting there.
As a high school student, there was one teacher every year that would lecture us new drivers about the dangers of wet leaves. That may seem silly but wet leaves can be just as dangerous as hitting a patch of ice. So next time there are wet leaves covering the roadway, slow down.
I had the unfortunate experience of getting rear ended by a tractor trailer a couple weeks ago. While I wish that had not happened, it could have been so much worse. I am thankful for that. I was sitting in traffic on a Friday afternoon. The highway was shut down from a big crash ahead. The same tractor trailer had been following me for about 20 minutes. He was 15 or more feet behind me when all of a sudden, he started driving ahead. He was not going to stop. I threw my hands on the horn and pushed down hard on the brake, but he kept coming. Everyone was stopped around me. No one was moving except this tractor trailer that was forging ahead into my little blue car.
I have been working in the field of personal injury law since the early 90s. I have seen a lot of things change during that time. One of the things that has not changed. All too often the lack of sufficient liability insurance to go around, to fully compensate all the people in the collision for injuries they suffer, becomes a major issue. There are a lot of people who carry minimum limits of insurance (in Connecticut $25,000 for any one person and $50,000 for the entire accident, regardless of the number of people injured), or no insurance at all.
Is this the beginning of the end? I think yes! No one needs a recap on what the last year has been like living in a world plagued-literally- by the coronavirus.
It is common knowledge that if you are driving your vehicle and as a result of your negligence, you cause a collision, you are responsible. The primary insurance is the coverage for the at-fault vehicle. Even if the driver is not the owner of the vehicle and has his or her own insurance. It is the coverage of the owner that applies first. So if you let your friend drive your car, your insurance company is on the hook when your friend rear-ends someone in your car.
Let us be honest. Reading about automobile insurance coverage is about as exciting as watching grass grow. This stuff is dry. It is boring. But it really matters.