Who's at fault in a side-impact collision?
Determining fault in a side-impact collision can be a lengthy process. Ultimately, fault is determined based on state laws and the specific circumstances of the accident. The claims adjuster will talk to witnesses, look at police reports, and review the accounts of the accident from the parties involved, including photos of vehicle or property damage.
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What are side-impact collisions?
A side-impact crash is any collision in which one vehicle crashes into the side of another. T-bone car accidents, also called right-angle collisions, occur when one vehicle's front strikes another vehicle's side and are typically associated with intersections where drivers run red lights or stop signs. Even at relatively slow speeds, parking lot collisions can lead to t-boned cars. Sideswipes on highways or roads are side collisions as well.
Why side-impact collisions are often serious
A side-impact collision can cause severe or even fatal injuries because drivers may not be aware of the incoming collision and therefore might be unable to brake or steer away to prevent the strike. The point of impact is closer to the driver when the crash occurs, potentially leading to broken bones and head injuries. According to the Insurance Institute for Highway Safety (IIHS), vehicle-side impacts caused 22 percent of passenger-occupant deaths in 2023.
How to avoid side-impact collisions
A few ways to help reduce your risk of being broadsided or broadsiding someone else include:
- Practicing defensive driving
- Maintaining a safe distance from other cars
- Driving within the speed limit
- Obeying traffic signals
- Keeping up on vehicle maintenance
How does insurance cover side-impact collisions?
If you're at fault for a side-impact collision, your liability coverage may cover the other driver's injuries and damage to their vehicle and property. If the other driver is found at fault, then their liability coverage may cover your injuries and property damage.
Since determining fault can be a long process, you may choose to file a claim under your collision coverage to pay for the damage to your vehicle instead. Likewise, your medical bills may be covered under Med Pay or personal injury protection coverage (if you have these coverages on your auto policy).
Some states have a no-fault system for handling bodily injury. Learn about at-fault vs. no-fault accidents.
What to do after a side-impact crash
Every side-impact collision has unique circumstances, but there are general steps to follow in any event. First, check for injuries and ask the other driver if they're OK. Then, move your vehicle out of traffic and call the police to report the accident.
Learn more about what to do after a car accident, including tips for describing the accident to the police, exchanging info with the other driver(s), taking pictures of your car at the scene of the crash, and starting the insurance claims process.
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