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Little Rock Personal Injury Law Blog

Can a ringing cellphone affect driving?

Many people describe the concept of distracted driving as engaging in distracting activities such as actively using a phone or playing with children. While these actions do constitute examples of distracted driving, more subtle events and actions can also affect a driver.

If you have recently been involved in a car accident in Arkansas, it's likely that you will want to discover how the accident was caused. In addition, it's important that you ensure that fault is attributed correctly because this could severely affect the financial damages that you are able to recover.

Keep a close eye on these car insurance claim mistakes

If you're injured in a motor vehicle accident, your immediate attention should turn to your health and the steps you can take to make a full recovery. As time allows, you also need to contact your car insurance company to file a claim.

With so much going on in your life, it's easy to make mistakes when filing a claim. Some of the things you want to avoid include:

  • Giving a recorded statement: After an accident, your agent may ask if they can record all conversations they have with you. Politely decline, as you don't want to say something that will harm your ability to receive the compensation due to you. Just the same, avoid giving a written statement.
  • Don't sign anything: This is a common mistake that you can easily make if you're not paying attention to what you're doing. If you're asked to sign something, review it in great detail to ensure that you understand exactly what it is.
  • Don't accept the first offer: Your car insurance company would love for you to accept less than what's actually owed to you. If you make this mistake, you may not have any course of action for obtaining the compensation you're entitled to.
  • Don't ignore time limits: Even though you're injured, you only have so much time to file a car insurance claim. If you're unable to do this on your own or require assistance, ask a loved one to step in.
  • Neglecting to review your policy: It's critical to understand the details of your policy, including how much coverage you have. This makes it much easier to protect your legal rights in Arkansas, as you know what you're entitled to.

Avoiding insurance premium increases after a car accident

Getting into a car accident is always a stressful situation to be in, no matter how minor the collision. In addition to reporting the accident, you will need to go through the process of establishing fault and gaining a settlement for the damages. Conflict can often arise regarding the amount owed by insurance companies because they tend to do everything in their power to minimize the amount paid.

In addition to possible difficulties in gaining car accident damages, you may also have to deal with an increase in insurance premiums going forward. The following are some things that you can do to prevent an increase in insurance premiums after a car accident in Arkansas.

Parents of young children often drive while distracted

It is so common for people to be subject to prejudice regarding their driving ability based on their age or demographics. For example, it is common for people to assume that teenagers are likely to be using their phone while driving, and that parents, on the other hand, would be far more responsible. Prejudice of any kind is dangerous for establishing justice, because the facts of any case should be objectively assessed.

If you were involved in a car accident with a parent who had children in the car, you may want to take note of statistics relating to distracted driving. While parents might commonly be stereotyped as some of the most responsible drivers on the road, some studies suggest otherwise.

The prevalence of distracted driving among teens

It is important that all drivers in the United States understand the laws that they are subject to on the road, and they know how to exercise safe driving habits. In recent years, the prevalence of phones in our daily lives has meant that many of us are tempted to use our phones while in the car.

Tragically, in 2016, 3,450 people were killed as a consequence of actions broadly referred to as distracted driving. One of the main causes of distracted driving is phone use in one way or another. In Arkansas, there is considerable concern about teens and their propensity to use their phones while driving. It is thought that teens may be more susceptible to using phones while driving due to their use of apps such as Snapchat and Instagram. The selfie culture that has arisen in recent years has, unfortunately, led to people taking selfies or recording videos while they are behind the wheel.

3 different forms of distracted driving can cause collisions

When drivers hear the term "distracted driving," they typically think about people talking on the phone or texting. While they may shun such behavior and think that they would never be so foolish as to engage in dangerous behavior like texting while driving, they may be engaging in distracted driving without knowing.

There are several types of distracted driving that can be categorized into different types of behavior. If you want to understand what might make you liable for an accident, it is important that you take the time to learn about the varying behaviors that could constitute distracted driving. Being equipped with this information could also help you to successfully place the blame on another driver in a collision.

What to do when making a car insurance claim

If you're part of a motor vehicle accident, it won't be long before you're on the phone with your car insurance company. While filing a claim as soon as possible would be in your best interest, there are many steps you can take up front to avoid unnecessary trouble in the future.

Here are some of the many things you should do when making a car insurance claim:

  • Don't delay: Once you receive treatment and are able to contact your agent, do so. If you're unable to take this step, ask a family member or friend if they can assist you. There are limitations in place for how long you have to file a claim, so you don't want to wait too long.
  • Review your policy: Don't rely on your car insurance agent to provide you with information on your policy. Instead, review it yourself to ensure that you understand what you've been paying for. There's nothing wrong with asking questions, but you should always take the time to inform yourself.
  • Take notes: Every time you speak with an insurance company representative, regardless of what's said, take notes that include the name of the person, their contact information and the details discussed. It may sound like a waste of time up front, but it can serve you in the future, should there be a disagreement.
  • Don't lie: This doesn't mean you have to admit fault, but there's never a good time to lie to your insurance agent. The best thing you can do is stick to the facts and nothing else. Also, if you're uncomfortable answering a question, don't feel pressured into doing so. It's okay to say you don't know the answer or aren't comfortable providing an answer.
  • Keep records of all your expenses: After a car accident, you could face expenses for medical care, rental car, lodging and food. It's important to keep receipts if you want to receive reimbursement in the future.

Every victim should see a doctor after a car accident

After a car accident, you might think that you don't have injuries and feel relieved that you don't have to deal with any inconvenience beyond the damage to your vehicle. While this is possible, there is still a very real possibility that you have serious injuries, even if you don't feel any pain.

Car accidents are generally much more violent than we realize, and often leave victims with delayed onset injuries. These injuries do not cause pain initially, and may not cause any symptoms for hours or even days. Unfortunately, when the injuries do eventually cause pain, they are typically worse. In some instances, delayed pain injuries are even fatal.

Understanding Arkansas law is important after an accident

If you have been involved in an accident in the state of Arkansas, it is likely that you will have some questions about gaining compensation for the damages that were caused. The aftermath of a car accident can be stressful, not least because of the experience that you went through. You may have bodily injuries and physical pain that may take some time to subside. In addition, damages to your vehicle might make you worry about your financial future.

It is important that you understand the state-specific laws that relate to car accidents. These laws will have a big impact on the way that you will be able to gain compensation.

Children are more distracting than cellphones when driving

When we are driving in a car, there are so many things that have the potential to distract us. So much emphasis is put on the way that cellphones can distract us from the road, and while this is true, it's only one part of the picture. In reality, we can be distracted by our own emotional state and the emotional state of other people in the car.

This is why studies have recently been conducted on how the presence of children in a car impacts safety. Children have heightened emotional states and they are highly dependent, especially when young. When the only adult in the car is driving and there are children in the car, their presence can be extremely distracting.

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