Car insurance companies have experienced a large increase in car accident claims over the last decade in the United States. Higher number of accident claims is bad news for insurance companies because they are often responsible for paying for the damages. Of course, insurance companies exist to make profits. When an increase in payouts occurs, insurance companies will either pay consumers less for their damaged vehicles or injuries when due to a crash, or charge them a higher rate to be insured so that they can continue to profit. Motor vehicle accident claims have risen 42 percent over the past ten years and collision damage claims have gone up by 17 percent in the same time span.
Reasons for Rise in Car Accident Claims
Insurance companies and experts believe there are several reasons for the increase in car accident claims, with the largest culprit being technology. It is extremely expensive to repair damages from car collisions because modern vehicles come with expensive features that cost an enormous amount to fix. Additionally, the mechanics who repair the damages have to be trained to fix the new technologies that are in automobiles, which takes time and money. The repair shops need to spend more money on specialized tools that diagnose the damage of the car and the parts to repair the car’s computer system. Either way, consumers end up either having to pay more to their repair shop or to their car insurance company, especially when a car accident occurs.
Insurance experts also believe that some public policies that use technology and are designed by governments to decrease car accidents may actually be doing the opposite. For example, red light cameras that are installed throughout many communities in the country are supposed to decrease car accidents. However, those in the car insurance industry say that these cause rear-end accidents that often have expensive personal injury claims attached to them.
Addictive drugs and drug laws may also be linked to the rise in car accident claims, particularly marijuana. Of the eight states that lead the nation in car accident claims, seven of them have eased marijuana possession laws. Federal authorities say that data from their studies shows that more drivers are driving while using marijuana from 2007 to 2014 and that 50 percent more drivers involved in car accidents are under the influence of marijuana.
Harrisburg Car Accidents Lawyers at the Law Offices of James R. Moyles Help Clients Injured in Car Accidents
If you, a loved one or someone you know has been injured in a car accident, contact our experienced Harrisburg car accidents lawyers at the Law Offices of James R. Moyles. Our team will fight for the highest compensation possible for your injuries, both physical and psychological.
Call our offices now at 412-281-1055 to reach our Pittsburgh offices or at 717-233-5400 to reach our Harrisburg area offices. You can also contact us online to set up a free consultation. We serve clients throughout Western and Central Pennsylvania including Carlisle, Millersville, Hanover, Gettysburg, Lancaster, York, Shippensburg, Hershey, Linglestown, and Dillsburg.