Two cars reverse at the same time and back into each other. Who is at fault? When there is a dispute about who is responsible for an accident your Maryland car insurance claims adjustor may need to determine who is at fault. To do that, the adjuster may obtain available evidence and then look at the four duties every driver has to assess whether they were carried out or not.

Duty to look out

Every driver needs to pay their undivided attention to the task of driving and be aware of their surroundings. You may have failed in your duty to look out if you have a crash where you did not see the other car coming.

Duty to avoid accidents

Drivers have a duty to do everything they can to avoid a collision. Even if the other driver illegally crossed an intersection, you still have to try and avoid it. Judgments on this often come down to reaction time.

Duty to follow the road rules

The DMV vehicle code contains all driving and vehicle related laws that you need to abide by.

Duty to act as a “reasonable man”

All drivers have a duty to act as a “reasonable man of average prudence”, which basically means that drivers need to drive with care and common sense. For example, if you decided to make a left turn when a “reasonable man” would have waited for a bigger break in the traffic, and you subsequently  cause an accident, you might be found liable when you file a claim on your Maryland car insurance. With Young Insurance & Financial, Inc., we can help you with the questions you have regarding this coverage, so contact us today for more information!