Accidents Due to Drowsiness: Can Claims be Claimed to the Insurance?
Drowsiness while driving is a serious problem and can result in a fatal accident. According to research, drowsiness while driving has the same or even worse effect than drunk driving. When a person is drowsy behind the wheel, his reflexes slow down, concentration decreases, and reactions to emergency situations become inhibited. Under such circumstances, can insurance claims be filed if the accident occurs due to drowsiness?
When someone has an accident due to drowsiness, it is still possible to submit a car insurance claim. However, there are several factors that need to be considered before a claim can be accepted by the insurer. Here are some things you should know:
1. Breaking the Law or Insurance Policy
If you are involved in an accident due to drowsiness, the insurer will evaluate whether you broke the law or the insurance policy. If you are driving in an unlawful manner, such as exceeding the speed limit or using a cell phone without hands-free, the insurer may reject your claim. In addition, if you violate the provisions of your insurance policy, such as driving in an unsafe condition or ignoring certain conditions, your claim may also be rejected.
2. Accident Evidence Due to Drowsiness
In order to file an insurance claim, you will need to provide convincing evidence that the accident was caused by fatigue or drowsiness. If you can gather solid evidence, such as a police report noting fatigue was the cause of the accident or eyewitness testimony that you were dozing off at the wheel, your claim will have a much stronger basis. The insurer will usually conduct an investigation to ensure the validity of the claim.
3. The type of insurance you have
The type of car insurance you have will also affect the likelihood that your claim will be accepted. If you only have statutory or liability insurance, your claim may only be filed for damage caused by other vehicles. However, if you have comprehensive insurance or additional insurance that covers damage to your own vehicle, your claim may cover repair or replacement of your vehicle.
4. Medical Report and Further Investigation
In the case of an accident caused by drowsiness, the insurer may request a medical report to prove that you are experiencing fatigue or sleep deprivation which may be a contributing factor to the accident. If you can provide medical evidence showing your tiredness or lack of sleep at the time of the accident, your claim has a better chance of being accepted.
However, it is important to remember that each insurance claim will be assessed individually based on the circumstances and policies of each insurance company. If your claim is denied, you can appeal it or consult an insurance law expert for further advice.
However, it is best to prevent accidents due to drowsiness by taking the necessary precautions. If you feel sleepy or tired while driving, stop in a safe place and take a short break. Share driving duties with other passengers whenever possible. Make sure to get enough sleep before going on a long journey. And avoid consuming alcohol or drugs that can cause drowsiness while driving.
In any case, the safety of you and other road users must be the top priority. Take care of your health, raise awareness of the risks of driving fatigue, and take steps to avoid accidents. Always check your insurance policy to understand the coverage and terms that apply, and don't hesitate to consult your insurance agent if you have any questions or confusion.
With the right precautions and the right insurance coverage, you can reduce your risk of accidents caused by drowsiness and keep yourself and others safe on the road.
