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Paragon Independent Insurance Agencies, Inc

6305 Preston Road #1000
Plano, TX 75024

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How does insurance work for single-vehicle accidents?

Single-vehicle accidents account for 35% of traffic incidents nationwide. That number makes it vital that you understand what to do if you are involved in a single-vehicle accident and how insurance coverage works. Our Paragon Independent Insurance Agency team, serving Plano, TX, is here to answer your insurance questions and ensure you have the coverage you need.

Understanding Fault In Single-Vehicle Accidents

Texas is an at-fault state, meaning we determine who is at fault for each accident and who is responsible for any liability resulting from the accident. The need to determine liability applies in single-vehicle accidents because the driver is not automatically at fault for a single-vehicle accident. Factors other than the driver that can contribute to a single-vehicle accident include:

  • Inclement Weather
  • Road conditions or unkempt roads
  • Hidden road signage
  • Obstacles or animals on the road
  • Mechanical malfunction
  • Other drivers’ negligence

Because those contributory factors can influence the determination of fault, you should obtain a police report and safely document the scene whenever you are involved in an accident. If other factors are relevant, others may be found liable or partially liable for the accident and may be required to compensate the accident victims.

Even in a single-vehicle accident, correctly reporting and recording information about an accident can help determine fault, allowing you to avoid or reduce liability. Besides offering peace of mind, this can save you and your insurance company money in the long term.

Working With Paragon Independent Insurance Agency

Your friendly team at Paragon Independent Insurance Agency, serving Plano, TX, is ready to address all your insurance needs, including automobile insurance. So, give us a call or stop in today to ensure you are appropriately covered while driving Texas roads.



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  • Texas


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