Single-vehicle accidents account for nearly half of the nation’s motor vehicle fatalities. These accidents, even minor ones, occur more frequently than many realize. Given their prevalence, it’s important for South Dakota drivers to understand how insurance companies handle single-vehicle accidents and the key steps to take if they’re involved in one. If you have auto or other insurance needs and reside in the Sioux Falls, SD, area, reach out to Wilcoxon Insurance Inc. to discuss your coverage needs.
Assigning Fault in Single-Vehicle Accidents
South Dakota is an at-fault state, meaning it assigns responsibility for motor vehicle accidents. Importantly, drivers involved in single-vehicle accidents are not always deemed at fault. Depending on the circumstances, drivers can be found entirely at fault (100%), partially at fault (1-99%), or not at fault (0%).
Reasons for the driver not being fully at fault for a single-vehicle accident include:
- Obstacles or animals on the road
- Weather conditions such as rain, wind, fog, ice, or snow
- Missing or obstructed street signage
- Road conditions, such as potholes
- Vehicles negligently entering your path, causing you to swerve and lose control
- Vehicle issues caused by service technician or manufacturer errors
Typically, each at-fault party is assigned a percentage of responsibility for the accident. However, since South Dakota uses the modified comparative negligence system, you cannot collect damages if you are 50% or more responsible for the accident.
If you’re involved in a single-vehicle accident, strive to obtain a police report. If possible, safely take photographs or videos to document the factors you believe contributed to the accident.
The Wilcoxon Insurance Inc. Advantage
If you reside in or near Sioux Falls, SD, our team at Wilcoxon Insurance Inc. will help you secure the auto insurance you need. Call us today at (605) 271-6600 to schedule an appointment.
