Car Accident on Icy Bridge
I was driving Northbound on I65 in Crown Pointe, Indiana. I was driving about 65mph. It started to snow a little but had not accumulated on the roads.
An accident had just occurred a short distance in front of me that I was not aware of. The traffic started to slow down. I applied my brakes to slow down with the traffic and I happened to be on a bridge and it was covered with ice that you could not see. When I hit the ice I lost control of the vehicle and hit head on into a guard rail.
Is this nobody's fault? Is there any way for me to get some money for the damage?
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ANSWER for "Car Accident on Icy Bridge":
This is a tough case, because at the end of the day, you might not be happy with the response. These situations happen all the time...the road conditions caused by inclement weather contribute to hundreds of thousands of accidents a year.
But when it comes to liability, there must be someone or some entity to sue in order to seek compensation. And before you can sue, there should be fault of some kind. Where there is ice on the road (commonly considered an "Act of God" by most insurance policies), there is no one at fault. To make matters worse, there might be some who argue that YOU were to blame.
Now, before you feel that all hope is lost, I would call your insurance company to see if there are any provisions tucked away that allow for these types of freak accidents and provide coverage.
Without reading your particular policy it is hard to say, but the easiest way to have that answered is to simply talk to your insurance agent directly.
Since laws change frequently, and across jurisdictions, you should get a personalized case evaluation from an attorney licensed in your state (if you haven't already). Find an experienced local attorney to give you a free personal case review here.
Best of luck,