This 50-state chart addresses imputing contributory negligence of the driver and whether, and under what circumstances, the contributory negligence of a permissive user/driver of a vehicle will be imputed to the vehicle’s owner to defeat or reduce the owner’s recovery…
This chart summarizes the laws on using cell phones and texting while driving, as well as hand-held electronic devices, use of headphones, or other devices which would impair a driver’s attention or hearing.
This chart details individual state laws regarding No Pay No Play laws and its exceptions. A number of states have passed these laws to limit the compensation for drivers without auto insurance by not allowing them to benefit from someone…
This chart summarizes law on sudden medical emergencies while driving, as well as basic law of negligence and defenses available when a driver claims to have sustained a sudden medical emergency resulting in loss of control of vehicle that causes…
This chart covers recovery of sales tax after vehicle total loss. There are two types of claims that can be made following a total loss accident, both are covered in this chart: first-party claims and third-party claims.
This Automobile Total Loss Thresholds In All 50 States chart will help take the guess work out of when and whether a vehicle involved in a collision is considered “totaled” for first-party insurance purposes.
This chart details the driver’s license suspension laws, regulations, and procedures. Each state has different requirements that must be met before you can suspend the driver’s license of an uninsured tortfeasor who caused personal injury or property damage while driving…
Funeral procession laws – confusion abounds regarding when and whether a motorist in a funeral procession can run a red light. This 50-state chart provides an understanding of how funeral processions affect the legal rights and remedies of motorists and…
What is diminution in value? When a car is damaged in an accident and then repaired, it may result in a reduction or “diminution” in the vehicle’s resale value. Subrogation adjusters need to know when and how state laws deal with…
This chart provides deductible reimbursement laws and regulations for auto and property subrogation regarding whether a subrogated carrier has a duty or obligation to reimburse any or all of its insured’s deductible before it can subrogate or seek reimbursement.