Single-Car Accidents

November 19, 2018

The Most Common Single-Car Accidents and How to Avoid Them

Distracted Driving

Distracted driving is a growing concern and can be very dangerous. With the growth of technology, drivers are getting more and more distracted by their smartphones, GPS, and other tech gadgets. If you are distracted you may run off the road and cause damage to yourself and your vehicle. Even if you aren’t ticketed, a claim for a single car accident regarding distracted driving will be considered an at-fault accident. Keep in mind that many preferred insurance carriers may not renew your policy if you have more than one at-fault claim in a period of three years, even if you have a plan with accident forgiveness.

Tips to Avoid an Accident:

  • Use Bluetooth or a hands-free device
  • Turn on “driving mode” on your phone if applicable
  • Turn your phone off
  • Minimize multi-tasking

Slick Road Conditions

Slick road conditions are probably the leading cause of single-car accidents. Even when most of the roadways are clear, black ice can go undetected by drivers and cause serious accidents. Whether you hit a guard rail, snow bank or tree, your claim would be considered an at-fault accident even if there is no ticket issued by police. This will most likely add points to your insurance record. Collision coverage is required for filing this type of claim. Also keep in mind that vanishing deductible and accident forgiveness are two helpful coverages that can help you in this scenario.

Tips to Avoid Accident

  • Stay home if road conditions are too poor
  • Coast to slow down rather than hitting the break
  • Leave a large stopping distance

Sun Glare

Sun glare can be both annoying and dangerous as it can cause serious problems while driving. If you get into any sort of accident as a result of the sun blinding you, you are still responsible. Blaming the sun won’t protect you against an at-fault accident if you damage your vehicle while driving. Be especially cautious about sun glare when driving at dawn or dusk.

Tips to Avoid an Accident:

  • Use a sun visor to keep the sun out of your face
  • Always have a pair of sunglasses in your car


Pot holes a huge nuisance to drivers, and unfortunately very common to encounter on the street. Hitting a pot hole is considered a single-car accident that would place the driver at-fault because potholes are too prevalent and often avoidable. Many new vehicle warranties will cover tires, but if a claim is filed, it will be considered at-fault.

Tips to Avoid an Accident:

  • Cautiously swerve around pot hole
  • Drive slowly over pot hole
  • Be alert

Swerving to Miss an Animal

It is a natural reaction to swerve to avoid hitting an animal on the street. However this is extremely dangerous and can cause more extensive damage. No one wants to intentionally hit an animal, especially someone’s pet, but it is unfortunately safer for the driver to hit the animal as opposed to swerving into oncoming traffic, hitting a ditch and rolling over, or hitting a large tree or lamp post on the side of a road.

Hitting an animal is considered a comprehensive claim. If you serve to miss an animal and hit something else, it would be considered an at-fault collision and could increase your insurance rates.

Tips to Avoid an Accident:

  • Hit the animal and avoid swerving
  • Be alert, especially in areas with animal crossing signs
  • Drive slowly through high deer populated areas

Flying Objects

Flying objects such as rocks hitting your windshield or a tree branch falling on your vehicle while driving are considered single-car accidents. They will be classified as comprehensive claims, and are the one time that a single-car accident would not be considered an at-fault accident.

Tips to Avoid an Accident:

  • Be alert and cautious
  • Keep control of your vehicle if you are hit

Contact Us!

At Jessica Liu Insurance Services, your safety is extremely important to us. We want to ensure you drive safely and are prepared in the case of an accident. If you have any questions about filing claims or increasing your coverage options, don’t hesitate to ask. Just give us a call at 415-386-2283 or send us a message at [email protected]