Strategic Insurance Group

Personal Insurance for Brentwood, Franklin and Nashville

Call (615) 472-1515
Email: service@tnsig.com
  • Insurance Information
    • Home Owners Insurance
    • Umbrella Policies
    • Auto Insurance
    • Motorcycle, ATV, UTV Insurance
    • High Net Worth Coverage
    • Farm Insurance
    • Boat Insurance
    • Camper/RV Insurance
  • Live Online Quoting
  • Our Team
  • Business Partners
  • About
  • Contact Us
  • Blog

Failure to Control

One very common phrase we hear when determining what type of coverage an insured is looking to purchase is, “I’m a good driver.” While no one is questioning your skills, there are millions of people on the road who are not good drivers, and their choices sometimes inadvertently affect good drivers negatively.
The additional disappointment happens when the not so good driver creates a situation in which the good driver is not only involved in an accident, but becomes the at fault party.

How am I liable for this?

Here’s a scenario of this type of situation.
Cars A, B, and C are driving down the road. Car A slows down. Car B is distracted while looking at their cell phone and doesn’t notice. Car C doesn’t see any brake lights and car B is large enough it doesn’t even know Car A is in front of it.
Car B finally looks up and slams on their brakes. They happen to get stopped in time not to hit Car A. Car C is left with little to no reaction time and can’t stop before hitting Car B.
Even though Car B was the distracted driver, Car C is the at fault party of the accident.

Let’s review another scenario.
Car A is following Car B into an intersection. Car A sees the light turn yellow and panics slamming the brakes. Car B knew there was enough time to get through the intersection however, because car A slammed on their brakes, Car B has now hit car A. Car B is at fault for the accident.

Just for good measure, let’s discuss one last situation that doesn’t involve another driver.
You’re driving along in wintery conditions. You aren’t speeding or breaking any laws. Your car hits black ice and although you did the best you could to control it, you hit a fence and do minor damage. Even though the ice was a determining factor for why you hit the fence, this is not a comprehensive claim. This is an at-fault collision claim.

And I’m being cited too?

Unfortunately, in all of these scenarios, not only are you now responsible for an at-fault claim, you may also be cited and given a ticket for failure to control. The law states that you must be in control of your own vehicle at all times. Which includes but is not limited to leaving a safe distance between vehicles and being prepared for road conditions.
With the number of distracted drivers increasing on the road, it’s so crucial to make sure you’re paying close attention as well as covering yourself with the proper protection on your insurance plan.

Share this:

  • Click to share on Twitter (Opens in new window)
  • Click to share on Facebook (Opens in new window)
  • Click to share on LinkedIn (Opens in new window)

Related

Get an Instant Quote



Call us Directly

Find Us:

Strategic Insurance Group
109 Westpark Drive
Suite 190
Brentwood, TN 37027

Email: service@tnsig.com

Phone: (615) 472-1515

Our Social Links:

Subscribe to our Blog:







Copyright © 2023 Strategic Insurance Group - Site Developed by Pineapple PC