刚下drive way就被撞了,请问应该怎么办

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  • What Happens if an Accident Occurs in Your Own Driveway?
    Posted by Allison Ruuska on 2/25/2008 at 1:00 PM
    How your auto insurance covers accidents that happen at home
    Accidents happen anywhere, anytime. A fair amount of time, accidents happen close to home, too. And, of those times, a respectable number of accidents can happen right at home — in your driveway, in the garage, at the curb, etc.

    If you're one of the many people who've been involved in an accident that happens at home, do you know how your auto insurance company will handle your claim? Here are a few common scenarios of accidents that happen at home and how they're often handled by insurance companies. Because your policy and coverages may differ from the examples below, refer to your policy for your particular situation.

    Hitting a Parked Car
    If you're backing out of the garage and you graze your friend's car, most likely the damage to both cars will be covered by your auto policy if you have the proper coverages. Though the accident may happen in your driveway, it's still treated as a regular claim on your policy. Liability coverage should apply to any damage you cause to your friend's car, and if you have collision coverage for your own vehicle, it should apply in this case.

    But what happens if you graze your spouse's car in the driveway? Is the damage to both vehicles covered? In short, yes, though some caveats may apply. For instance, if both you and your spouse are on the same auto policy, and both vehicles involved in the accident are listed on that policy, the damage is covered slightly differently than the first scenario given.

    In this case, collision coverage likely will apply to both vehicles since you own them and they're both listed on the policy. Remember that you must have collision coverage for both vehicles in order to receive and use the coverage for both vehicles. If only one of your vehicles has collision coverage, your insurer will only pay for the repairs to that vehicle. Your policy lists types of exclusions for each coverage, and often one of the exclusions of liability coverage is that it will not apply to any vehicles you own. That's why collision coverage would be used for both cars involved in this accident. Standard collision deductibles most likely will apply, too.

    Backing Into the Mailbox
    What happens if you're leaving for work and you hit the mailbox or some other object that isn't a vehicle? Is the damage to the mailbox covered?

    If you own your house, the damage to your mailbox likely would not be covered. If you rent your home, the damage would be covered.

    Your policy outlines when damage is covered and when it isn't, and most policies state that if you own property, damage you cause to that property would not be covered by your auto insurance. If you rent your home, you probably don't own the mailbox, so it would be covered by your auto policy if you ran over it.

    Broken Windows
    If someone vandalizes your car and breaks the windows while you're sleeping, comprehensive coverage would apply to your vehicle. If you have comprehensive on your auto policy when the incident occurred, damage to your car would be covered.

    Items Falling on Your Car
    What if a strong storm blows through and knocks a tree limb on top of your car? Or maybe something in the garage falls on top of your car and dents it. Does your auto insurance apply? In these situations, if you have comprehensive coverage, your auto insurance company would pay for the repairs to your vehicle, minus your deductible, of course.

    Keep in mind that insurance policies differ by state, by the company you choose and in the coverages you purchase. Refer to your policy for your particular coverages and exclusions.

    For all accidents, it's best to contact your insurance company and report them, after which your company should be able to handle your claim properly according to your policy.
     

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    ‘Backover’ accidents a hidden problem in Canada
    Patrick White
    The Globe and Mail
    Published Sunday, Aug. 19, 2012 11:22PM EDT
    Last updated Sunday, Aug. 19, 2012 11:25PM EDT

    The scene held no forewarning of automotive tragedy: nearing noon, clear day, balmy temperatures, empty parking lot.

    A father seated behind the wheel of a 2002 Toyota Corolla dropped off his wife and eight-year-old son in the lot outside Toronto’s Ontario Science Centre. As he pulled away, he realized they’d forgotten tickets in the car. He stopped and shifted the automobile from forward to reverse, an ordinary manoeuvre laden with myriad risks that the U.S. Department of Transportation has pledged to tackle in the coming years while its Canadian counterpart is silent on the issue.

    For the father, it initiated a deadly sequence of events. According to Toronto Police, the reversing Corolla struck the mother and son. Both were sent to hospital. The eight-year-old died of his injuries. His mother is in serious but stable condition.

    Awful as it seems, similar accidents – backovers as they’re called in statistical compilations – kill 292 people in the United States every year, according the U.S. National Highway Traffic Safety Administration (NHTSA). If that figure seems oddly precise, it’s because the department has recently devoted great financial and legislative energy to the issue, spurred on by pressure from the advocacy group.

    “It was an issue that had gone unaddressed because our government never took any data,” says Janette Fennell, who founded the group to push for better protection of children in and around cars. “We are in these 3,000-pound lethal weapons and we can’t see what’s behind us, yet nothing was being done.”

    Based on wide-ranging data, Ms. Fennell estimates that 50 U.S. children are seriously injured by reversing vehicles every week. One in 25 of those dies.

    And the problem appears to be getting worse. The number of children who died from backovers totalled 448 between 2006 and 2010, according to KidsAndCars, a five-fold increase from the previous decade. Newer car styles feature high trunk lines and small rear windows, reducing rear visibility. Both Consumer Reports and NHTSA have begun testing rear visibility and found that the rear of every modern vehicle constitutes a massive blind zone. For a 5-foot-8-inch driver with all mirrors properly adjusted, that zone extends anywhere from four feet for a Smart car to 50 feet for a Chevrolet Avalanche.

    KidsAndCars offered a vivid illustration of the problem to Congress, showing that 62 children could huddle behind a large SUV without being visible in the driver’s mirrors.

    “Absolutely this is getting worse,” said Ms. Fennell. “This is getting worse because our government has no rear visibility standard.”

    Not for long. The NHTSA announced earlier this year it would make backup cameras compulsory in all new vehicles by 2014. It has little choice in the matter. Intense pressure from KidsAndCars prompted the U.S. Congress to pass the Cameron Gulbransen Kids Transportation Safety Act in 2008. The law, named for a two-year-old boy struck and killed when his pediatrician father backed into his driveway, requires the NHTSA to create rear visibility standards.

    Despite all the political action south of the border, the issue has remained relatively invisible in Canada. Transport Canada could not fulfill a request on Sunday for any information, stats or policy pertaining to backovers in this country. A 2006 Transport Canada research paper posted on the NHTSA website states 900 Canadians were struck and injured by reversing vehicles every year between 1992 and 2001.

    The issue’s obscurity is set to change. John McKiggan, a personal injury lawyer in Halifax, recently launched a Canadian branch of KidsAndCars. His biggest obstacle so far has been an absence of data.

    “These accidents are happening up here just as frequently per capita as they are in the States but there are no real good statistics about it,” Mr. McKiggan said. “Right now, I’m trying to pull together a database so I can go to Transport Canada and say ‘Look, this is a problem you need to be tracking.’ ”

    Mr. McKiggan points out that when the U.S. rule goes into effect, many of the American cars containing mandatory cameras will be manufactured in Canada. “So they’re going to be built here, shipped across the border, yet here in Canada we won’t be required to have the same safety features,” he said. “It’s shocking when you consider that thousands of children have been injured by backovers in Canada and yet no one is trying to correct it, no one’s even aware of the problem.”
     

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    Backovers
    Every year, thousands of children are killed or seriously injured because a driver backing up didn’t see them. A backover incident typically takes place when a car is backing out of a driveway or parking space.

    Child Stories
    Backover tragedies change the lives of parents, families, and communities forever. The links below will take you to stories of just a few children whose lives were lost, and some near misses, because they could not be seen in the blindzone behind a vehicle.

    Tragedies

    Ashleigh Adams


    Noah Allen


    Kaycie Lynn Blood


    Annabelle Bryant


    Drew Campbell


    Dillon Richard Caputo


    Madison Faith Chatten


    Adrianna Frances Clemens


    Georgina “Georgy” Josephine Cockburn


    Abigail Hope Dahlen


    Autumn Danchanko


    Benjamin Donnell


    Sidney Edminsten


    Jared “Jay-Jay” Estes Jr


    Aliviah Gridley


    Cameron Gulbransen


    Austin Gordon Haver


    Blake William Hofer


    Marlee Anne Kalmin


    Mariana Lopez


    Seth McCartney


    Alec Nelson


    CJ Norton


    Bridget Anne O’Connor


    Jack Pauly


    Jackson Peck


    Diego Quintanilla


    Schuyler Dayle Raiford

     

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    Ora RoseMary


    Veronica Rosenfeld


    Jacob Morgan Sanchez



    David Sandoval


    Vada Schoon


    Daniela Serpico


    Benjamin Thompson



    Noah Joseph Tkachyk


    Colin Walminski


    Cade Wright


    Wesley Hunter Yackle



    Lynnea Joy Zweigel


    Near Misses

    Matthew Anthony


    Kate Auriemma


    Patrick Ivison


    Skye Jordan



    Linzi Taylor


    Fact Sheet
    • In the U.S. at least fifty children are being backed over by vehicles EVERY week.
    • The predominant age of victims is one year olds. (12-23 months)
    • Over 60% of backing up incidents involved a larger size vehicle. (truck, van, SUV)
    • Tragically, in over 70% of these incidents, a parent or close relative is behind the wheel.
    Fact Sheet for Backovers (English)

    Fact Sheet for Backovers (Spanish)

    Fact Sheet for Backovers (Hmong)

    “Blindzones” vs “Blind Spots”

    Learn the BlindZone measurement for your vehicle Consumer Reports has measured the blindzones of a number of popular vehicle models. The results for both an average-height driver (5 feet 8 inches) and a shorter driver (5 feet 1 inch) are listed in the accompanying charts.

    Safety Tips
    Learn simple tips on how to keep your children safe in and around vehicles.

    Backover Safety Tips
     
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