T-bone accidents, also known as side-impact collisions or broadside crashes, are among the most dangerous types of vehicle accidents.
These collisions occur when the front of one vehicle crashes into the side of another, forming a “T” shape at the point of impact. The impact force concentrates on a relatively small area of the struck vehicle, often resulting in severe damage and injuries to the occupants.
T-bone accidents are particularly dangerous because the side of a vehicle offers less protection compared to the front or rear. While modern cars are equipped with side-impact airbags and reinforced structures to improve safety, the risk of serious injury or death remains high.
Passengers on the struck side of the vehicle are especially vulnerable, as they are directly in the path of the oncoming vehicle.
According to the National Highway Traffic Safety Administration (NHTSA), side-impact collisions account for approximately 25% of all passenger vehicle fatalities in the United States. These accidents often occur at intersections when one driver fails to yield the right-of-way or runs a red light or stop sign.
The devastating consequences of T-bone accidents highlight the importance of determining fault and holding negligent drivers accountable.
Below, we’ll discuss how fault is determined in T-bone accidents, New York’s no-fault insurance system, New York’s comparative negligence rule, and how a car accident lawyer can help if you or a loved one has been injured in a side-impact collision.
T-bone accidents are commonly caused by driver error or negligence.
Some of the most frequent scenarios include:
To determine who is at fault in a T-bone accident, investigators and insurance companies will consider several factors, including:
New York is one of several states that follow a no-fault insurance system for car accidents. Under this system, each driver’s own insurance company covers their medical expenses and lost wages, regardless of who caused the accident. This coverage is known as Personal Injury Protection (PIP).
In New York, drivers must carry a minimum of $50,000 in PIP coverage.
The purpose of the no-fault system is to ensure that injured parties receive prompt compensation for their medical bills and lost income without going through a lengthy legal process to determine fault.
PIP coverage typically includes:
However, no-fault coverage does not apply to vehicle damage or property damage claims. These claims require you to establish fault, and the at-fault driver’s insurance must cover the damages.
It’s important to understand that New York’s no-fault system has certain limitations. PIP coverage is subject to policy limits, meaning once your medical expenses and lost wages exceed your policy’s limit, you will be responsible for any additional costs.
In certain circumstances, an injured party may step outside the no-fault system and file a personal injury lawsuit against the at-fault driver. To do so, the victim must have suffered a serious injury as defined by New York law.
The serious injury threshold includes:
If the victim’s injuries meet one of these thresholds, they may pursue additional compensation through a personal injury lawsuit. This allows them to seek damages for non-economic losses, such as pain and suffering, not covered under the no-fault system.
In some T-bone accidents, both drivers may share some degree of fault. For example, one driver may have run a red light while the other was speeding. In such cases, New York follows a comparative negligence rule to determine how fault affects the injured party’s ability to recover compensation.
Under New York’s comparative negligence rule, also known as the “pure comparative fault” rule, an injured party can still recover damages even if they are partially at fault for the accident. However, their compensation will be reduced by their percentage of fault.
Here’s how it works:
Under New York’s pure comparative fault rule, a plaintiff can recover damages even if they are more at fault than the defendant.
However, while an injured party can still recover damages if they are partially at fault, their percentage of fault can significantly decrease the compensation they receive. Insurance companies and defense attorneys will often try to shift as much blame as possible onto the injured party to minimize the amount they have to pay.
In a T-bone accident, the comparative negligence rule comes into play when both drivers bear some responsibility for the collision. For example, if Driver A runs a red light and collides with Driver B, who was speeding, both parties may have contributed to the crash.
If Driver B suffers injuries and files a personal injury lawsuit, the jury will determine each driver’s percentage of fault and reduce Driver B’s awarded damages accordingly.
Should I Accept the First Offer From the Insurance Company?
No, you should not accept the insurance company’s first offer without consulting an experienced personal injury lawyer.
Here’s why:
At William Mattar Law Offices, we strongly advise our clients not to accept the first offer from the insurance company without first speaking to one of our knowledgeable personal injury attorneys. We offer free consultations to help accident victims understand their rights and options, and we’re committed to fighting for the maximum compensation our clients deserve.
After a T-bone accident, an experienced personal injury lawyer can protect your rights and secure the compensation you deserve.
A skilled attorney can:
At William Mattar Law Offices, our experienced personal injury attorneys are dedicated to helping T-bone accident victims in New York State. We understand the physical, emotional, and financial challenges you face, and we’re here to support you every step of the way.
After a T-bone accident, don’t hesitate to contact our office for a free consultation. Our knowledgeable team will review your case, answer your questions, and help you understand your legal options. Let us fight for the compensation you deserve while you focus on your recovery.
Contact us today at (716) 444-4444 or through our online form for your free, no-obligation consultation.