{"id":194,"date":"2025-05-30T04:00:00","date_gmt":"2025-05-30T10:00:00","guid":{"rendered":"https:\/\/www.wilcoxoninsuranceagency.com\/blog\/?p=194"},"modified":"2025-05-23T20:03:01","modified_gmt":"2025-05-24T02:03:01","slug":"how-does-insurance-work-for-single-vehicle-accidents","status":"publish","type":"post","link":"https:\/\/www.wilcoxoninsuranceagency.com\/blog\/how-does-insurance-work-for-single-vehicle-accidents\/","title":{"rendered":"How Does Insurance Work for Single Vehicle Accidents?"},"content":{"rendered":"<p>Single-vehicle accidents account for nearly half of the nation&#8217;s motor vehicle fatalities. These accidents, even minor ones, occur more frequently than many realize. Given their prevalence, it&#8217;s important for South Dakota drivers to understand how insurance companies handle single-vehicle accidents and the key steps to take if they&#8217;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.<\/p>\n<h2>Assigning Fault in Single-Vehicle Accidents<\/h2>\n<p>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%).<\/p>\n<p>Reasons for the driver not being fully at fault for a single-vehicle accident include:<\/p>\n<ul>\n<li>Obstacles or animals on the road<\/li>\n<li>Weather conditions such as rain, wind, fog, ice, or snow<\/li>\n<li>Missing or obstructed street signage<\/li>\n<li>Road conditions, such as potholes<\/li>\n<li>Vehicles negligently entering your path, causing you to swerve and lose control<\/li>\n<li>Vehicle issues caused by service technician or manufacturer errors<\/li>\n<\/ul>\n<p>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.<\/p>\n<p>If you&#8217;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.<\/p>\n<h2>The Wilcoxon Insurance Inc. Advantage<\/h2>\n<p>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.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Single-vehicle accidents account for nearly half of the nation&#8217;s motor vehicle fatalities. These accidents, even minor ones, occur more frequently than many realize. Given their prevalence, it&#8217;s important for South Dakota drivers to understand how insurance companies handle single-vehicle accidents and the key steps to take if they&#8217;re involved in one. If you have auto [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[20,19,7],"class_list":["post-194","post","type-post","status-publish","format-standard","hentry","category-auto-insurance","tag-auto-insurancesd","tag-sioux-falls","tag-wilcoxon-insurance-inc"],"_links":{"self":[{"href":"https:\/\/www.wilcoxoninsuranceagency.com\/blog\/wp-json\/wp\/v2\/posts\/194","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.wilcoxoninsuranceagency.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.wilcoxoninsuranceagency.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.wilcoxoninsuranceagency.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.wilcoxoninsuranceagency.com\/blog\/wp-json\/wp\/v2\/comments?post=194"}],"version-history":[{"count":1,"href":"https:\/\/www.wilcoxoninsuranceagency.com\/blog\/wp-json\/wp\/v2\/posts\/194\/revisions"}],"predecessor-version":[{"id":195,"href":"https:\/\/www.wilcoxoninsuranceagency.com\/blog\/wp-json\/wp\/v2\/posts\/194\/revisions\/195"}],"wp:attachment":[{"href":"https:\/\/www.wilcoxoninsuranceagency.com\/blog\/wp-json\/wp\/v2\/media?parent=194"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.wilcoxoninsuranceagency.com\/blog\/wp-json\/wp\/v2\/categories?post=194"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.wilcoxoninsuranceagency.com\/blog\/wp-json\/wp\/v2\/tags?post=194"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}