Single Car Accidents: An In-Depth Guide (May 2025)

What Is a Single Vehicle Accident?

A single-car accident involves just one vehicle. Depending on state laws, the term “single-car accident” can apply in instances when the only injured parties are the ones in the vehicle, or it can also apply if other parties include pedestrians and cyclists.

Some examples of these accidents are drivers ending up in ditches or hitting trees or lampposts.

You may have heard of miscellaneous accidents. A single miscellaneous car accident means a non-collision accident in which someone was still injured while operating a motor vehicle, but that vehicle didn’t hit anything. It can involve an overturned car, for example, as well as immersion in water and fire or explosions.

What Causes Single Car Accidents?

Single-car accidents can occur for a number of reasons, including driver errors. Distracted driving is a common cause since it can lead people to swerve to avoid hazards at the last second, which could easily send them into ditches or against guardrails and other fixed objects.

Speeding is another common cause. Driving faster than is wise for the road conditions and the speed limit increases the chances of your vehicle skidding and potentially flipping.

The same thing applies to those who drive while intoxicated. Aside from putting you at risk of getting charged with a DUI, driving under the influence impacts your reaction times and coordination.

Sometimes, however, a single-car accident fault doesn’t fall on the driver. For example, if an animal jumps in front of your car, and you swerve to avoid hitting it, only to end up crashing against a tree, you would generally not be to blame for that collision.

Does Insurance Cover Single Car Accidents?

If you are the only one on the scene of the crash, what can you expect from the claims process? A single-car accident insurance claim would involve filing against your collision and comprehensive car insurance.

Collision insurance covers damage to your own vehicle when you’ve been in a crash, whether the accident involves another vehicle or not.

Comprehensive insurance protects you against non-collision incidents, such as natural disasters and vandalism. If a tree falls on your car or an animal hits it, this insurance would likely cover the repairs.

When it comes to the coverage of injuries accidents, ones involving single vehicles will typically mean relying on your own health insurance or personal injury protection (PIP) insurance. Med pay might also apply.

If another party is liable for the accident, like a negligent pedestrian or cyclist, you may be able to pursue a claim against their insurance. This will depend on whether your state has no-fault or fault-based laws, as well as on the severity of the injuries you sustain. In rare situations, your own car might be involved in a single-car crash without you behind the wheel - for instance, if someone steals your car and crashes it. In that case, you typically won’t be held liable, but it’s important to report the theft right away. If your vehicle is damaged, uninsured motorist property damage coverage may help pay for repairs or a replacement.

Steps to Take After a Single-Car Accident

After being in a single-car accident, leaving the scene can feel like a good option — it’s not. You will need to report the crash just as you would any other collision if there was property damage or injuries. That’s especially important if you’ll be seeking a car accident settlement or if a pedestrian or bystander was hurt.

You should immediately contact emergency services to bring paramedics and the police to the site of the accident. Allow medical professionals to assess you even if you think you’re not injured. Offer a clear account of what happened to the police. The details contained in the police report may point your lawyer in the direction of important evidence.

Gather as much evidence as is available at the scene, especially if there are skid marks on the road that show that you swerved to avoid an animal or another vehicle. If there were witnesses, get their contact information, too.

Make sure to let your insurance know about the crash and immediately contact an attorney to help you understand what your options are. Don’t try to go through the claims process on your own.

Get Legal Assistance After a Single-Car Accident

Whether you’ve been in a single-car rollover accident or a minor head-on crash with a fixed object, knowing what steps to take after the accident can help protect your right to recover losses. These collisions are often complex, and fault is not always easy to establish on your own.

At ConsumerShield, we can connect you with car accident lawyers in your area who have experience with these kinds of crashes. We can offer the assistance you need when selecting an attorney, so don’t wait. Contact ConsumerShield to learn about the services we provide.