Whose Insurance Pays In a Multi-Car Accident?

Injured victims are entitled to compensation for an accident caused by someone else. Even so, an insurance company will only pay a claim after determining their policyholder’s liability for the crash. Liability can become complicated when many vehicles are involved in a single collision.

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Gary Burger

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The liable party for a multi-crash accident depends on the driver or drivers who caused or contributed to the crash. Sometimes, multiple parties may have caused the accident, making it difficult to allocate liability. You must do so, however, to recover compensation from 

If you or a loved one has sustained an injury in a multi-car crash, a trusted St.Louis car accident attorney can help determine the liable party.

Determining Liability in a Multi-Car Crash

Unlike two single-vehicle accidents, crashes involving many vehicles can involve extensive property damage, severe injuries, and fatalities. Common injuries from multi-car crashes include neck injuries, internal bleeding, spinal cord injuries, concussions, and broken limbs. Injuries and damage can be costly, making financial recovery imperative.

In Missouri, more than one party can be at fault for a car accident. Sometimes, one driver might fail to yield properly, and another driver might be too distracted to slow down in time to avoid crashing into them. Once these two cars collide, they cause a pile-up of vehicles in the traffic lane. In this case, both the distracted driver and the one who failed to yield can share responsibility for the resulting injuries to everyone involved. Victims might file more than one insurance claim, or the insurance companies might handle the allocation of funds between themselves. Either way, victims want to ensure they get full compensation. 

Witness statements play a critical role in determining liability. If you witnessed a car accident, it’s important to understand your responsibilities and how your account can impact the case.

How a Car Accident Attorney Can Help

Since different parties share fault, it can be difficult to prove how each party contributed to the accident and why they are liable. A car accident claim attorney possesses the necessary skills, knowledge, and experience to navigate a complex case involving multiple drivers and insurance policies. 

To establish that a particular party is liable for a crash, an attorney can prove fault using different pieces of evidence, including:

• Video surveillance footage from local businesses
• Red light camera footage showing violation of a specific driver
• Police reports indicating that one or more drivers were cited or violated traffic laws
• Witness statement with details of how the accident occurred

Once an attorney has established the liable party, they’ll offer legal support during the claim process. They can provide evidence of your losses, negotiate a fair settlement with insurers, or take the case to court if neede.

Get in Touch With an Experienced Car Accident Attorney to Discover Your Options

You deserve compensation for medical expenses and other injury-related losses if you sustained an injury in an auto accident. Working with an experienced car accident attorney enhances your chances of identifying and holding liable parties fully accountable.

Burger Law has a team of highly qualified attorneys with 70 years of combined litigation experience. Contact us online or at (314) 542-2228 for a free case evaluation.

Gary Burger

Founder | Injury Attorney
Gary Burger has dedicated his career to standing up against bullies. The founder and principal attorney of Burger Law | St. Louis Personal Injury Lawyer has helped hundreds of Missouri and Illinois individuals and families recover th …
Years of experience: 30 years
Location: St. Louis, MO

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