Term	Definition
At-fault accident	A car crash that you cause (either partially or completely). After an at-fault accident, your liability insurance helps pay what you owe toward other people's injury and property damage bills, plus your legal defense costs if you're sued.
Car insurance quote	An estimate of how much a company will charge you for car insurance.
Claim	A request you make for payment from your car insurer to cover vehicle repairs, injury treatment or other costs. In other words, using your insurance.
Collision coverage	Pays to fix your vehicle if you cause a crash or have a one-car accident, such as hitting a tree.
Comprehensive coverage	Contrary to its name, this coverage doesn't pay for everything. It pays to repair your car after animal collisions, and also covers a specific list of noncollision issues — including car theft, falling objects and fire, among others.
Covered incident (or covered accident or covered risk)	Something your policy will pay for.
Deductible	Predetermined amount your insurer deducts from your settlement for collision and comprehensive claims. If your car repairs cost $5,000 and your deductible is $500, you'll get a claim check for $4,500. Choosing a lower deductible means your insurer pays more, but your rates will be higher. Choosing a higher deductible means cheaper rates, but your insurer pays less if a claim occurs. Deductibles do not apply to liability claims (which are claims made against you for damage you cause).
Effective date	The exact day your auto policy starts. You're not covered for accidents that happen before this date.
Exclusion	Something your policy won't pay for.
Full coverage car insurance	A policy that includes liability insurance plus collision and comprehensive coverage. It does not (repeat, does not) mean you're covered against any and all events.
Liability insurance	Pays for others' injury treatment and property damage if you cause a crash. It also helps pay for your legal defense costs if you're sued.  Your limits often appear in shorthand numbers — for example, 100/300/50 means you have up to $100,000 bodily injury coverage for each injured person, up to $300,000 bodily injury coverage per crash and up to $50,000 property damage coverage per crash.
Limit	The maximum amount your policy will pay for a given accident. Each coverage type has its own limits.
Medical payments coverage (MedPay)	Pays for your injury treatment and that of your passengers no matter who caused the crash (up to your policy limit for MedPay).
Personal injury protection (PIP)	Similar to MedPay, PIP pays for your injury treatment and that of your passengers regardless of who caused the accident. It also pays for some costs that MedPay won't, such as lost income and physical therapy.
Primary use	How you most commonly use your vehicle, such as for commuting, pleasure or business.
Premium	The cost you pay for your auto insurance.
SR-22 insurance form	Official document some states require to prove you have sufficient car insurance. The SR-22 allows you to keep or reinstate your driving privileges after serious or repeated traffic-related offenses, such as DUIs or driving without insurance.
State-required minimum	The car insurance coverages and limits that states require their residents to carry. These limits are often very low and would be insufficient if you caused a large accident.
Underwriting	The insurance company's process of evaluating how risky you are, based on factors such as your vehicle, location, accident history, credit and age. An insurer uses its underwriting findings to calculate your rates.
Uninsured motorist coverage	If you're hit by a driver who lacks car insurance or has insufficient insurance, your coverage for uninsured/underinsured motorist bodily injury (or UMBI/UIMBI) pays for treatment of your injuries and those of your passengers, while coverage for uninsured/underinsured motorist property damage (or UMPD/UIMPD) pays to repair your car.

A roundabout (also called a traffic circle, road circle, rotary, rotunda or island) is a type of circular intersection or junction in which road traffic is permitted to flow in one direction around a central island, and priority is typically given to traffic already in the junction.

 Modern roundabouts were first standardized in the UK in 1966 and were found to be a significant improvement over previous traffic circle and rotaries. Since then they have spread and modern roundabouts are commonplace throughout the world. Half of the world's roundabouts are in France (more than 30,000 as of 2008. One Indiana city has well over a hundred Roundabouts.

 

ACCIDENTS

95% of the accident claims we see which involve a roundabout are caused by people who are in the wrong lane or are changing lanes. The Highway Code stipulates that you should take note and act on all the information available to you when approaching a roundabout. This includes:

Traffic lights
Lane markings which direct you into the correct lane.

 Therefore you should be checking the lane markings and signage to ensure you are positioned correctly for your exit.

Motorists which stay in the left hand lane and proceed all the way round the island in this lane until they reach the exit travel across roundabout exits – which other vehicles are attempting to exit at that point in the correct lane. Most often, Liability unfortunately is not always clear cut as often the parties involved will argue that they were positioned correctly on the roundabout. Wittneses, cameras etc. help

Being in the wrong lane on the roundabout does not necessarily prove liability. However it is highly important that when you are adjusting your position on a roundabout, as you must take as much care as possible not to inconvenience other drivers positioned correctly.

 

Roundabouts can be very daunting, especially ones that seem to have never ending amounts of exits! The markings for lanes and exits can be very confusing and therefore accidents which happen on roundabouts are unfortunately one of the most common types of road traffic accidents we deal with here at The Injury Lawyers.

 

The common circumstances on a roundabout are vehicles pulling onto the roundabout when it is unclear to do so, vehicles changing lanes to exit the roundabout, and also vehicles continuing around the roundabout in the wrong lane which causes accident’s when other vehicles are trying to exit.

The Highway Code provides some general rules on the use of roundabouts, however, even when following these instructions, accidents can still occur as other road users can be careless.

On approaching a roundabout, The Highway Code asks that you take notice and act on all the information available to you, including traffic signs, traffic lights and lane markings which direct you into the correct lane. Therefore you should be checking the lane markings and signage to ensure you are positioned correctly for your exit.

 

When turning right on a roundabout you should stay in the right lane until you are approaching your exit and then signal and move into the left lane ready to exit.

This is the main problem on roundabouts as a lot of road users tend to go all the way around in the left lane which means that, when other vehicles are pulling off the roundabout, the vehicle travelling in the left lane around the roundabout can cause a collision when passing the exit which you are intending to take.

Liability for an accident on a roundabout is not always clear cut, especially if the accident has occurred on a large roundabout. Often both parties believe that they were positioned correctly and in the correct lane for their exit when the accident occurs.

Going in Circles: Three Ways to Find Out Who Is Liable for a Roundabout Car Crash

You weren’t sure about the roundabout in Overland Park when it first went in, but now that you’ve been around it a few times, it seems a lot faster and more efficient than a regular four-way intersection. However, that’s only the case when other drivers know how to use it properly—and after a few close calls, you’re wondering if it might be safer to avoid the roundabout altogether.

How Can I Tell Who Is at Fault in a Roundabout Car Accident?

While there are now over two-dozen roundabouts in the Kansas City area alone, it seems like very few drivers know how to use them properly. Unfortunately, drivers who don’t know how to use the roundabout are more likely to be nervous or make last-minute lane changes that result in a car accident—leaving both drivers involved in the crash wondering who was at fault.

Turn signals while driving on a roundabout?

If the State codes states that the use of turn signals is required when changing lanes, or "turning from a direct line then consideration should being given." Because drivers exiting a roundabout are leaving the direct line of traffic, this seems to indicate that the use of a turn signal is indeed a requirement.

Here are a few questions you should consider after an accident occurs in a roundabout. Considerations such as:

Speed
management
control
weather
visibility
And more…..

Who Had the Right of Way?

Just as with most motor vehicle accidents, you are more likely to have a successful claim if you had the right of way at the time of the crash. In a roundabout, the person who is already in the traffic circle has the right of way. All other drivers must stop and wait their turn before pulling into a roundabout, so if someone attempted to “beat you” around the circle by pulling ahead, he is likely liable for the accident.

Was There a Rear-End Collision?

While it is not always true that the car that struck another vehicle from behind is always at fault, it is more likely that a following vehicle is to blame in a roundabout car accident. Following distances are shortened in a roundabout, with cars only a few feet away from one another. If a following vehicle is speeding or not maintaining a safe distance, it may be unable to stop if the car ahead needs to brake suddenly.

Was Someone Changing Lanes?

This is one of the cases where following cars may be the ones with a successful accident claim. In a multi-lane roundabout, drivers should know which lane will get them to their destination before they enter. If they discover they are in the wrong lane and attempt to swerve back into the roundabout, they may cause a pileup behind them.

Victims who are involved in a roundabout crash should always take pictures of the damage and gather as many witnesses as possible before leaving the scene. Evidence is key in proving your case if your insurance claim is denied, and the evidence will begin to disappear just minutes after the accident takes place.

Widespread use of drones—private and commercial—poses various risks, ranging from safety to privacy of individuals. Risks arising from the use of drones could best be managed by property and casualty insurers, but only once defined drone operational requirements and performance standards are in place. Complete and clear drone regulation, by the states and the FAA, is necessary before insurers can meet policyholder needs.

 Recently, federal regulators announced that recreational drone operators will soon need to register their aircraft. This will allow authorities to trace a drone back to an owner which means it's vital that you're in compliance with laws and regulations and have the appropriate insurance coverage.

What about Drone insurance? RE

Drone insurance under your policy

If your homeowners or renters insurance policy does cover recreational drones, it likely would:

Reimburse you if the drone is stolen, or if it’s damaged by a disaster covered in the policy, such as a fire.

Good to know: The deductible — the amount subtracted from a claim check — would apply. There might also be a dollar limit on coverage. Ask your insurance company if you can buy more coverage if your drone is worth more than the limit. A renters or homeowners policy will not cover your drone if it crashes or you lose it.

 Pay medical expenses if the drone injures someone.

Good to know: The policy would not cover injuries to family members or pets. The expenses it pays would be limited to the amount of no-fault medical coverage in the policy. If those expenses exceeded the limit and you were sued, then your liability insurance would kick in.

Pay legal expenses and court awards if you’re sued for injuries or property damage the drone causes.

Good to know: You’re on the hook for any damages above the policy’s liability limit. Home or renters insurance will not cover damage by your drone to your own home or car. But your car insurance would cover vehicle damage if you purchased comprehensive insurance, an option that covers damage from falling objects and other disasters.

 What renters or home insurance doesn’t cover

Your renters or homeowners insurance won’t cover you if your drone is used for the following reasons:

 For business purposes. A renters or home insurance policy doesn’t cover business use. Even a simple transaction — say a friend pays you 20 bucks to take photos of his backyard — would count as business use, Hilton says.

To spy on somebody, Hilton says. For example: You hover the drone outside a neighbor’s window, take photos and then are sued for invasion of privacy. Insurance policies won’t cover intentional acts.

A homeowners insurance policy might cover you if you inadvertently take photos of someone else and are sued, according to the Insurance Information Institute.

No insurance policy, though, will cover you for deliberate acts, such as trying to hurt someone or spy on others.

 Where else to find drone insurance

Look for coverage elsewhere if you don’t have home or renters insurance, or if you want more protection than a home or renters insurance policy provides.

 REMOTE CONTROL AIRCRAFT CLUB MEMBERSHIP

One way to get drone insurance is to join a remote-controlled aircraft club that offers insurance. Annual membership in the Academy of Model Aeronautics comes with:

Drone insurance coverage is an unavoidable necessity given the anticapated popularity of these machines. Do your homework to determine if you have coverage.