For example, when you’re hit from behind, the trailing driver is almost always the one who carries the most blame (although there are some exceptions). But when Driver D – the one that hit you – is struck by Driver C, and that motorist was hit by Driver B, who was hit by Driver A, the ultimate fault lies with Driver A.
This presents a bit of a challenge for police, who are typically charged with investigating how the accident occurred, because Driver A may not be the sole individual who led to the chain reaction. For example, he or she may have swerved out of the way when another motorist ran a red light – and the red-light runner may have steered clear of the incident entirely. What happens if the police can’t track down the motorist who caused the commotion?
Approximately 1 in 8 drive without insurance
Then there’s the insurance situation. Even though just about every state requires motorists to purchase auto insurance, 13 percent of Americans drive without coverage, according to 2015 figures from the Insurance Research Council. Insurers provide the financial resources that result from liability, but if the party at fault for the chain reaction crash doesn’t have insurance, being compensated for your losses may not come with the greatest of ease.
What’s more, if police are able to determine the motorist that was the principal cause of the multi-car pile-up, did the actions of other people make the incident worse than it had to be? For example, were people texting and driving, following too closely or speeding?
Questions like these can take several months to come to a final conclusion, which can be a serious problem when you’re injured and have medical bills to pay. At Glofin, we provide our clients with cash advances, enabling them to get out from under health services debt and pay for the court costs associated with litigation. While this may sound like a lawsuit loan, cash advances are slightly different because unlike loans, repayment is contingent upon outcome. In short, if you don’t win your case, the advance is on us.
Here’s more specifics on how you can determine eligibility.