Where multiple victims in accident, the at fault car driver may not have sufficient liability coverage.

July 21, 2014, Kitchener, Ontario

Posted by: Robert Deutschmann, Personal Injury Lawyer

It has been recently reported that 10 people were hurt in an accident that occured on July 20 near Stratford, Ontario, at approximately 5:10pm.  A Pontiac Grand Am heading southbound on Perth Road 113 crossed the centre line and collided with a full-size Chevrolet van that was heading north of LIne 20.  The car - van crash involved 10 people including four adults and six children.  All parties suffered some injury.    A child in the Pontiac Grand Am andd an adult in the van both received major injuries and were taken to London hospitals by helicopter.  It was later reported taht the driver of the Pontiac Grand Am was charged with several charges including impaired and dangerous driving causing bodily harm.  First, it shouldn't have to be repeated that drinking and driving do not mix.  Have a designated driver or make other arrangements if necessary.  It is completely irresponsible to drink and drive and especially egregious when there are young people in the car.  In this case, the 9 people involved in the accident may all have a claim for damages arising from this accident with a car and van.  Usually, most drivers will have a car insurance policy that provides for liablity coverage of $1 million.  Where you have multiple plaintiffs, and in this case two with serious injuries, there is a possiblity that there will not be enough liability coverage to cover the totality of the claims of all the injured people.  In a case where the claims exceed the liability coverage, the injuried parties may be forced to accept a pro-rata share of their claim.  The injuried parties should check any car insurance policy that they are covered under to determine whether their policy provides for liability coverage that exceeds the coverage provided under the car insurance policy of the at fault party.  All drivers have car insurance coverage that provides the policy holder with additional coverage where the at fault party either has no insurance coverage or are underinsured.  You should consult with a personal injury lawyer to assess your own policy and to ensure that you received full compensation avaialble for your injuries. 

Posted under Personal Injury, Car Accidents, Chronic Pain, Drunk Driving Accidents, Pain and Suffering, Paraplegia

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Deutschmann Law serves South-Western Ontario with offices in Kitchener-Waterloo, Cambridge, Woodstock, Brantford, Stratford and Ayr. The law practice of Robert Deutschmann focuses almost exclusively in personal injury and disability insurance matters. For more information, please visit or call us toll-free at 1-866-414-4878.

The opinions expressed here, while intended to provide useful information, should not be interpreted as legal recommendations or advice.

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