Fatal car accidents happen.
There are many consequences of a fatal car crash. The most significant is the death of a fellow human being. Every other consequence pales in comparison.
But there are other consequences too. The second most significant is survivor’s guilt. This is an article about auto insurance. We’ll get to that later because the psychological health of survivors is paramount.
Survivor’s guilt, once classified as a diagnosis in its own right, is now generally accepted among mental health professionals to fall under the category of post-traumatic stress disorders. One who survives a fatal event will almost inevitably — according to a recent U.K. study, 90% of car crash survivors — be haunted by why they survived, what they could have done differently, what they could have done to preserve life.
This is a serious condition whose symptoms include obsessiveness, irritability, headaches, nausea and suicidal thoughts. It requires immediate medical attention.
Before looking at the legal and financial consequences of a fatal car accident, let’s look at why they happen in the first place.
Three-quarters of fatal car crashes in Ontario happen during the summer months. That’s not a surprise when you think it through. More mileage, vacation time, trips to the cottage … oh, right, and drinking alcohol. According to Mothers Against Drunk Driving Canada, more than half of road fatalities involve drivers impaired by alcohol or drugs. Other causes include:
If you are in a serious accident in which there’s the potential of serious injury, call 911 immediately. Summon all the first responders you can. The legalities and implications can wait. Lives cannot.
The Co-operators offers these tips for any car accident or collision:
If you are deemed to be at fault in a fatal accident, there are more important implications than how it will affect your car insurance premiums.
Depending on the authorities’ determination — carelessness, recklessness, dangerous or involuntary manslaughter — you could face a jail term of up to life in prison. In any event, you’ll need legal help to have your driving privileges restored. You could be banned from driving for life. Your auto insurance company may not cover any lawsuits that stem from the accident if there is deemed to be criminal intent. In that event, an increase in your premiums is the least of your concerns.
Accidents happen. But preparation can avoid them. Don’t drink and drive. Be aware of any weariness or drowsiness and rest when necessary. Drive according to road conditions. Resist the urge to drive aggressively or exceed the speed limit. Focus on the road, not your cellphone. In other words, drive safely.