“It Was A Dark And Stormy Night . . .”

We’re barely past the Winter Solstice, the shortest day of the year. On January 30, Baltimore will have only 10 hours of daylight, and even by the end of the first quarter that will increase to only 12.5 hours. That means a lot of us are likely to be doing most of our driving in low-light situations – dusk, dawn and night – when accidents are most likely to occur. Statistics from the National Highway Traffic Safety Administration (NHTSA) reflect the increased risk of nighttime driving, showing that almost half (49%) of passenger vehicle occupant fatalities occur during nighttime, and the after-dark fatality rate is about three times higher per vehicle mile of travel. Several factors are likely at play in the hazardous nature of nighttime driving: 1. Fatigue at the end of a workday 2. A higher incidence of alcohol use at night 3. Physiology, i.e., depth perception, color recognition, and peripheral vision are compromised after sundown. Additionally, when a vehicle is not optimally maintained, the driver may be unable to see as well as he or she should. The Thing About High Beams… Typical low beams illuminate the road from 160 to 250 feet in front of a[…..]


Whew!! I’ve certainly handed out a lot of tasks for you to do immediately after a Maryland Automobile Accident. Trust me, you’ll be glad you followed my advice. I’ve got one more thing for you to do. After you’ve hung up from talking to your lawyer pick the phone back up and dial your insurance carrier. But it wasn’t my fault Steve. Why does my insurance company need to know about the accident? Good question. Actually, there are several reasons why you need to put your insurance company on notice: 1) SPEED. No, not the speed of your car. The speed of YOUR insurance carrier to take care of your immediate needs should the at fault insurance company decide to investigate or deny your claim. There’s no guarantee that the other insurance carrier is going to see the accident the same way you do. The other driver may give a different version of what happened (actually other driver’s lie quite frequently about the events of an accident) or the other driver may not even cooperate with his or her own insurer. All the while, your car is sitting in front of your house or in the tow yard NOT REPAIRED.[…..]