Broadside Collision

Broadside Collision

Broadside collisions, also frequently known as T-bone collisions, occur when one vehicle hits the side of another. These types of accidents typically occur at intersections, and a negligent driver may be the cause of the accident by running a red light or a stop sign. Failing to yield accordingly, and being distracted with a cell phone, are other common causes of broadside collisions. In some cases, more than one driver may be liable in a broadside collision. Other times, a driver may not even be the one directly responsible for a broadside collision. For example, if a traffic light is out or if there is no stop sign at an intersection where there should be one, the city, town, or county may potentially be held liable. No matter the cause, being involved in a broadside collision can be a traumatizing experience, especially when the accident results in severe and debilitating injuries.

Who is at Fault in a Broadside Collision?


After the initial shock of being in a t-bone collision the next logical thought you may have is “who is to blame” for this accident?  If you are the one who was impacted on the side of your vehicle, the most common thought is “the other person is obviously to blame” for this accident. But it isn’t always that straight forward.  For example, if the street light had a malfunction causing the other driver to go through the intersection, then they would not be solely responsible for the accident; there could be liability assigned to the local municipality for the traffic light malfunction.

Who is to blame in a broadside collision and the amount of compensation that may result from a settlement can also be impacted by the state law that applies, depending on where the accident occurred.  For example should your accident occur in California, it is what is known as a “comparative negligence” state.  If your accident occurs in California, you can recover damages even if you are partially to blame for the accident.  Because of comparative negligence, the jury’s award of damages will be reduced by the percentage of fault.

To help alleviate the possibility of being found at fault, you can provide your insurance company and attorney with additional documentation of the accident.  If you have installed a vehicle dash cam solution, they can be programmed to record in the event of an accident.  The most common dash cam solutions could record incidents that occur at the front and rear of the vehicle, but you could also have them installed to record all sides of the vehicle.  A dash cam solution could provide you with key footage to help you get the settlement you deserve in the event of a collision. However, such solutions would have to be installed before the accident.

Ultimately determining who is at fault in a broadside collision is a process that involves reviewing traffic incident reports, insurance adjusters, and even a jury in some scenarios.

Driver Habits to Help You Avoid a Broadside Collision


Assigning blame in a t-bone collision is required when an accident has occurred. In a perfect world, however, you can avoid the collision entirely.  As you are driving around town, consider two small changes in your driving style that could keep you safer:

  1. A Small Pause – Far too often, accidents occur because we are in a rush.  After you see a traffic light turn green, take an extra 3 seconds of pause before entering the intersection.  A small pause allows you to scan the intersection to see if a vehicle could run a red light which could put you in harm’s way of a collision.

  2. Avoid Left Turns – When you make a left turn at an intersection, your passenger side is exposed to a potential t-bone collision.  Years ago, UPS performed a study that found that avoiding left hand turns for drivers in their fleet reduced the chances of an accident and even eliminated fuel waste.  If UPS found it to help with vehicle safety you might want to consider adjusting your routes around town as well.

Even if you increase your awareness as a driver, accidents can still occur. However,  these two small changes to your driving habits can help reduce your chances of being in a broadside collision.

Does Your Vehicle Provide You with Airbags to Protect You in the Event of a Broadside Collision?


You might take for granted the level of safety features in modern vehicles.  You would think that with the first airbag patented in 1953, all vehicles would provide advanced protection in the event of a broadside collision. Sadly, not all current vehicles provide the same level of protection in terms of airbag coverage.  In the event of a broadside collision, there are two types of airbags that could help keep you safer and reduce your chances of serious injury.  Consider the following:

  • Side Curtain Airbags – Side curtain airbags are specifically deployed in the event of a collision on the side of the vehicle, such as in a t-bone incident.  These airbags are not standard on vehicles at this time, but it is often available as an option.
  • Center Mounted Airbags – In the event of a t-bone collision, vehicle occupants can suffer injuries from colliding with each other.  Center-mounted airbags help to minimize this type of injury by deploying another airbag between driver and passenger.  

Each vehicle manufacturer implements different airbag solutions with some vehicles having as many as 10.  Take the time to understand your vehicle’s airbag system as it could be essential to minimizing your injuries in the event of a broadside collision

Where do T-Bone Collisions Occur?


While you might not end up at fault, consider increasing your driving awareness in common scenarios to minimize your risk.  The following driving conditions are where t-bone collisions most often occur:

  • Intersections – Even if there is a traffic light or a stop sign, intersections are areas to increase your awareness.
  • Exiting a Driveway – When you are exiting a driveway from a shopping center or business into a roadway, you have an increased risk of being in a t-bone accident.
  • Left Turn Across Traffic – Making that left hand turn across oncoming traffic is challenging, as you have to determine another driver’s rate of speed to safely make that turn putting you at risk.

Increasing your awareness in situations known to have a higher probability of a t-bone collision can help you prevent an accident.

Serious Injuries or Fatalities Can Occur from a Broadside Accident


Broadside collisions often result in more fatalities and serious injuries than any other type of auto accident. In fact, according to the Insurance Institute of Highway Safety (IIHS), 51 percent of deadly automobile accidents in one recent year were a direct result of broadside collisions. This makes broadside collisions more dangerous than other types of auto accidents, such as head-on collisions, rear-end accidents, and sideswipe accidents.

When broadside collisions are not fatal, some of the common types of injuries that can result include:

    • Skull fractures
    • Pelvic fractures
    • Neck injuries
    • Organ damage
    • Severe spinal cord injuries
    • Injuries to the chest and/or torso area
    • Serious head injuries, which can be life-changing

The severity of a broadside collision will often depend on the size of the two vehicles involved. If one car hits another, it can still be a serious accident that results in severe and painful injuries. However, if a truck T-bones a much smaller vehicle, it can cause devastating (or fatal) injuries for the occupants of the smaller vehicle. When someone is killed in an auto accident due to the negligence of another, a wrongful death lawsuit may result.

How much is your Broadside Collision Worth


The value of your case in the event of a broadside collision will depend on many factors ranging from the severity of your injuries, to lost wages and more.  Should you suffer a severe spinal cord injury, you may be looking at a case that settles for 10’s of millions of dollars.  For example, a passenger was in a vehicle in Palmdale California when they were in a t-bone collision that left him a quadriplegic.  The settlement of that t-bone collision was nearly $42 million dollars.  Each case is different and the more severe the injuries the longer a case can take to reach a settlement.

Whether you’re waiting for a lawsuit to finalize on behalf of a loved one, or you’re waiting for your own auto accident case to settle, you may be wondering when you’ll be getting your money. At USClaims, we offer pre-settlement funding to plaintiffs who would rather have money faster. Apply now or call us today at 1-877-USCLAIMS to learn more.

How Do You Qualify for an Advance on a Car Accident Settlement?


Like most claimants, you might be anxious to find out if you qualify for an advance on a car accident settlement. Qualifications include:

  • You are involved in a personal injury lawsuit
  • You were seriously injured in the car accident.
  • Your lawsuit has robust merits against the at-fault party.
  • You are being represented by an attorney on a contingency fee basis

Your lawsuit needs to be filed soon or already have been filed in the proper court of law. We will discuss your case with your car accident attorney to make sure we fully understand the details and can accurately determine how much your claim might be worth. We fund cases that we believe have a strong chance of success. To learn more about an advance on a car accident settlement, click here.

Can You Receive Pre-Settlement Funding If You Have Poor Credit?


Unlike traditional loans and forms of credit, pre-settlement funding does not rely on your credit score or report to determine your eligibility. Since we are repaid with your settlement proceeds, we do not consider your credit when making our determination. Your credit has no influence, whether good or bad, over your eligibility or the amount of pre-settlement funding for which you qualify.

How Much Pre-Settlement Funding Would You Receive?


The amount of funding a qualified plaintiff receives differs from one person to the next and depends on a few factors. These factors can include:

  • The type and severity of the injury you sustained
  • The evidence supporting your claim
  • The circumstances of the accident

Generally, most applicants can receive about 10 percent of their expected settlement or value of their case. By conferring with your attorney, we can determine the most appropriate settlement funding for your case.

How Can You Use the Funds?


Pre-settlement funding does not have to be spent in any specific way. There are no restrictions on how you use the pre-settlement funding, nor do you need to prove how it was spent. We give you the freedom to use the funding as you see necessary. You can use it to pay everyday expenses, credit card bills, medical bills, business-related expenses, rent or mortgage, utilities, tuition, other bills you have fallen behind on after your accident, or whatever else you need to pay for at that time. Plaintiffs appreciate the flexibility in how they can utilize their funds to best meet their needs. 

What Happens If You Lose Your Case?


Losing your case can be extremely discouraging and disheartening, and the last thing you want to worry about is paying back your funding when you are already under financial stress.  We only use a non-recourse funding strategy. If you lose your case, you owe us nothing. Only if you breached the purchase agreement, committed fraud, or used false information to apply and obtain your pre-settlement funding would you have to pay any of it back should you not win the case. 

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