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Know About Multi-Car Accidents

Multi-car accidents are often catastrophic and destructive. There are typically many injuries and fatalities involved in these accidents.

By definition, a multi-car accident is a collision involving three or more vehicles. These collisions typically occur on high-capacity and high-speed roads such as freeways and are one of the deadliest types of traffic collisions. Some pile-ups have involved over 100 vehicles. 

At MBS Insurance Brokers Ltd., we understand how stressful pile-ups can be. If you’re ever involved in a multi-car accident, you’ll be glad to have customized auto insurance in Edmonton from trusted insurance brokers to help you deal with the aftermath.

Here’s more about what you need to know about multi-car accidents.

multi car accidents

How Do Multi-Car Accidents Occur?

Multi-car accidents typically occur when drivers lose control in slippery conditions or don’t slow down for road hazards. Such accidents are more likely than single- and two-vehicle collisions to result in severe injuries and damages, which may lead to debilitating expenses.

Here are some of the most common causes of multi-car accidents:

  • Tailgating or driving too closely
  • Fatigue
  • Distracted driving
  • Careless driving (i.e., careless lane changes)
  • Driving under the influence
  • Speeding
  • Weather conditions

What to Do if You Have Been in a Multi-Car Accident

Immediately following a multi-car collision, make sure that you and your passengers are okay. If it is safe to stay in your vehicle, then resist the urge to get out right away, as the accident may not be over yet. 

When the paramedics arrive, get yourself checked out for any injuries. Then, you should document as much of the accident as possible. Write down what you remember and take pictures of the scene.

Report the accident to your insurer as soon as you can do so. Your broker will direct you on how to make a claim and submit the information you have collected. Your insurance provider will assign an adjuster to your case to assess any damage and provide you with information on what steps to take next. You may receive instructions regarding which body shop to take your vehicle for repairs and which medical specialists to follow up with if you have sustained injuries.

How Do You Determine Who Is At Fault for a Multi-Car Collision?

In collisions involving rear-end crashes, regardless of the number of cars involved, the vehicle in the back is usually found at fault for the accident.

An Edmonton car insurance provider may take some time to determine fault and liability in a multi-car accident, especially if numerous vehicles are involved.  

If one vehicle rear-ended multiple stopped cars, then that vehicle will be 100% at fault. However, fault determination can become trickier if some or all of the vehicles were in motion at the time of the accident. In such cases, your insurance company will use the province’s fault determination rules to assign liability.

If your insurance determines that you are at fault, your insurance premiums will likely increase depending on the type of insurance policy you have. Whether you are at fault or not, working with experienced Edmonton auto insurance brokers who have your best interest in mind can make all of the difference.

Speak to the Edmonton Auto Insurance Brokers at MBS Insurance Today to Find a Policy That Suits Your Needs 

Because the chance for property damage and injury increases during multi-car accidents, it can be challenging to know what to do after a collision. 

The results of these crashes can be devastating, which is why it is crucial to make sure you have an auto insurance provider that can help with your case.

You should never be without an Edmonton auto insurance policy that will be able to meet all of your needs if you are involved in a multi-car accident. 

At MBS Insurance Brokers Ltd., we give you the ability to choose between a variety of different car insurance plans, ensuring that you get precisely the sort of coverage you want. With over 40 years in the industry, we understand the obstacles on the road, and we’re here to protect you every step of the way. Contact us to learn more about our auto insurance policies online or at 780-436-7880. We also offer several auto insurance discounts

If you have any questions or would like a free car insurance quote, contact MBS Insurance Brokers Ltd. today.

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This article was originally published on August 14, 2017, and updated for 2021.