What You Need to Know About Single Vehicle Accidents

A single-vehicle accident is one of the most misunderstood types of car accidents. Many people assume that if only one car is involved in a crash, the driver must be at fault. However, that’s not always the case. In some situations, other factors—such as hazardous road conditions, defective vehicle parts, or reckless drivers—can contribute to the accident, making someone else partially responsible.

If you’ve been in a single vehicle collision, you might be wondering if you can file an insurance claim or if you’ll have to cover all the expenses yourself. The truth is Nevada’s at-fault laws and comparative negligence system allow drivers to seek compensation if another party contributed to the crash. Understanding how insurance works, when liability shifts, and what steps to take after a single-car accident can make all the difference.

Understanding Liability in a Single Vehicle Accident

A single vehicle accident typically involves a driver hitting a stationary object, such as a tree, guardrail, or pole. In many cases, the driver is deemed responsible. However, not all accidents happen due to driver negligence.

There are several situations where a driver may not be entirely at fault:

• Avoiding a negligent driver: If another car swerves into your lane, forcing you off the road, that driver could be held responsible for the accident.
• Hazardous road conditions: Poorly maintained roads, potholes, missing signs, or construction debris can contribute to accidents. The city or county responsible for road maintenance may share liability.
• Vehicle defects: If a mechanical failure—such as faulty brakes or a tire blowout—caused the accident, the car manufacturer or mechanic could be at fault.
• Defective guardrails: Some guardrails are poorly designed or improperly installed, failing to prevent crashes as intended. In such cases, the manufacturer may be liable.

“Nevada is an at-fault state, meaning that whoever is responsible for a single vehicle accident must cover damages. However, the state’s comparative negligence law allows drivers to seek compensation if another party shares fault.”

Can You File an Insurance Claim for a Single Vehicle Accident?

Filing an insurance claim after a single vehicle accident depends on the type of coverage you have. Standard liability insurance does not cover damages to your car if you were at fault.

However, specific policies can help:

• Collision coverage: Pays for vehicle repairs, even if you’re at fault.
• Personal Injury Protection (PIP): Covers medical expenses but not vehicle damage.
• Comprehensive coverage: This applies if external factors, like falling objects or weather damage, caused the accident.

It’s important to know that filing a claim could increase your insurance premiums. However, if another party contributed to the accident, you may be able to file a third-party liability claim against them.

“Filing an insurance claim after a single vehicle accident can lead to increased premiums, but collision coverage may help recover costs.”

When You Are Not at Fault for a Single Vehicle Collision

Even if no other vehicle was directly involved in your accident, you may not be entirely responsible. In some cases, another entity may be held liable:

• Road hazards: If an unmarked construction zone causes an accident, lack of signage, or road debris, the responsible government agency or contractor may be at fault.
• Defective vehicle parts: If a manufacturing defect caused the crash, the vehicle manufacturer could be liable.
• Dangerous infrastructure: If a guardrail or barrier fails, you may be able to file a claim against the company that designed or installed it.

In these situations, gathering evidence—such as photographs, witness statements, and police reports—is essential to proving that another party contributed to the accident.

“Failure to report an accident that results in property damage can lead to a driver’s license suspension for up to one year in Nevada.”

Steps to Take After a Single Vehicle Accident

After any accident, your priority should be safety. Move your car out of traffic and check for injuries. Even if the accident seems minor, it’s essential to follow these steps:

• Call the police: Nevada law requires you to report accidents that cause property damage or injury.
• Gather evidence: Take photos of the accident scene, road conditions, and any external factors that contributed.
• File an insurance claim: Notify your insurer, but be cautious with statements until you understand liability.
• Seek medical attention: Even if you feel fine, some injuries manifest later.
• Consult a lawyer: If you believe another party is at fault, legal advice can help protect your rights.

Comparison of Insurance Coverage for Single Vehicle Accidents

Should You Hire a Lawyer for a Single Car Accident?

Determining fault in a single vehicle accident can be difficult, especially when external factors play a role. If another driver, government entity, or manufacturer may be liable, hiring a lawyer can help:

• Investigate road conditions, vehicle defects, and third-party negligence.
• File claims against insurance companies, manufacturers, or government agencies.
• Challenge insurance claim denials and negotiate settlements.

An experienced attorney can gather evidence, prove liability, and help you recover compensation beyond what insurance might offer.

FAQs

Can I still file an insurance claim if I’m at fault for a single vehicle accident?

Yes, but only if you have collision coverage. Standard liability insurance won’t cover your damages if you’re at fault. However, be aware that filing a claim may result in higher insurance premiums.

What if I crashed my car to avoid another reckless driver?

If another driver’s actions force you to swerve and crash, you may have a third-party liability claim. However, proving fault can be difficult without dashcam footage or witness statements.

How do I prove that a road hazard caused my accident?

Immediately after the crash, take photos of road defects, missing signs, or poor maintenance and file a report with the local government or transportation authority.

Will my health insurance cover my medical bills after a single vehicle collision?

Yes, but only for medical costs. It won’t cover lost wages or pain and suffering, which may require filing a claim against another party.

Can I sue the government for unsafe road conditions?

Yes, but government lawsuits are complex and have strict deadlines. You must prove gross negligence and file within the statute of limitations.

Conclusion

A single vehicle accident doesn’t always mean the driver is at fault. Hazardous roads, vehicle defects, and reckless drivers can contribute to the crash. Understanding your legal options, gathering evidence, and consulting an attorney can help you protect your rights and recover compensation.

If you were involved in a single vehicle collision and believe another party was responsible, Gina Corena & Associates can help. Our legal team will investigate your case, handle insurance claims, and fight for the compensation you deserve. Contact us today for a free consultation.