{"id":150,"date":"2025-01-24T04:00:00","date_gmt":"2025-01-24T10:00:00","guid":{"rendered":"https:\/\/www.fianm.com\/blog\/?p=150"},"modified":"2025-01-20T12:29:44","modified_gmt":"2025-01-20T18:29:44","slug":"how-does-auto-insurance-handle-single-vehicle-accidents","status":"publish","type":"post","link":"https:\/\/www.fianm.com\/blog\/how-does-auto-insurance-handle-single-vehicle-accidents\/","title":{"rendered":"How Does Auto Insurance Handle Single-Vehicle Accidents?"},"content":{"rendered":"<p>Single-vehicle accidents are more common than you might think, accounting for nearly half of the nation&#8217;s traffic fatalities. Regardless of the type of vehicle you drive, these accidents can occur, so it&#8217;s important to understand how insurance handles such incidents. Knowing what to do if you&#8217;re involved in a single-vehicle accident is also crucial. The team at Franklin Insurance Agency, serving Rio Rancho, NM, is here to answer your insurance questions and provide the coverage you need.<\/p>\n<h2>Understanding Fault in Single-Vehicle Accidents<\/h2>\n<p>New Mexico operates under an at-fault system, meaning procedures are in place to determine legal and financial responsibility for injuries or damages resulting from accidents. Fault is determined for both multi-vehicle and single-vehicle accidents, as the driver is not automatically at fault in a single-vehicle accident.<\/p>\n<p>Interestingly, more than one party can be found at fault for a single-vehicle accident. In some cases, the driver may not be at fault or may only be partially at fault.<\/p>\n<p>Factors contributing to single-vehicle accidents, aside from driver-related issues, can include:<\/p>\n<ul>\n<li>Weather-related conditions such as ice, snow, or fog<\/li>\n<li>Poor road conditions, like potholes or broken pavement<\/li>\n<li>Obscured stop signs or other street signs<\/li>\n<li>Striking an animal or objects that have fallen onto the road<\/li>\n<li>Swerving to avoid a vehicle that negligently enters your path<\/li>\n<li>Certain vehicle mechanical issues<\/li>\n<\/ul>\n<p>Whenever possible, obtain a police report following an accident. Also, try to safely document factors contributing to the accident using pictures or videos of the scene, as these may help determine fault.<\/p>\n<h2>Working with Franklin Insurance Agency<\/h2>\n<p>If you live in or near Rio Rancho, NM, the team at Franklin Insurance Agency can help you secure the necessary insurance coverage. Visit our office today or call (505) 891-8733 to schedule an appointment.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Single-vehicle accidents are more common than you might think, accounting for nearly half of the nation&#8217;s traffic fatalities. Regardless of the type of vehicle you drive, these accidents can occur, so it&#8217;s important to understand how insurance handles such incidents. Knowing what to do if you&#8217;re involved in a single-vehicle accident is also crucial. The [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[16,11,9],"class_list":["post-150","post","type-post","status-publish","format-standard","hentry","category-auto-insurance","tag-auto-insurance","tag-franklin-insurance-agency","tag-rio-rancho-nm"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.fianm.com\/blog\/wp-json\/wp\/v2\/posts\/150","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.fianm.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.fianm.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.fianm.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.fianm.com\/blog\/wp-json\/wp\/v2\/comments?post=150"}],"version-history":[{"count":1,"href":"https:\/\/www.fianm.com\/blog\/wp-json\/wp\/v2\/posts\/150\/revisions"}],"predecessor-version":[{"id":151,"href":"https:\/\/www.fianm.com\/blog\/wp-json\/wp\/v2\/posts\/150\/revisions\/151"}],"wp:attachment":[{"href":"https:\/\/www.fianm.com\/blog\/wp-json\/wp\/v2\/media?parent=150"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.fianm.com\/blog\/wp-json\/wp\/v2\/categories?post=150"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.fianm.com\/blog\/wp-json\/wp\/v2\/tags?post=150"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}