This morning, OCFA first responders arrived at the scene of a two-vehicle collision on the 91 Freeway.
One vehicle left the roadway, landing in a ditch and then knocking over a light pole.
One person was trapped inside the vehicle.
In coordination with Fullerton Fire, OCFA crews worked quickly to treat the patient and used the jaws of life to safely extricate them.
The rescued individual was transported to a local trauma center.
With rainy conditions in the area, please drive defensively and stay alert. Your safety matters.
Here’s how the collision and rescue might affect the victim’s auto insurance:
- Claim Filing: The victim will likely file a claim for vehicle damage and possibly medical expenses under their auto insurance policy.
- Comprehensive or Collision Coverage: If the victim has collision coverage, it should help pay for repairs or replacement of the vehicle. Damage from hitting a light pole and landing in a ditch typically falls under this.
- Medical Payments or Personal Injury Protection (PIP): These cover medical costs regardless of fault, depending on the policy and state regulations.
- Rate Increase: If the victim is found at fault, their premiums may increase. However, if weather or another driver contributed to the crash, fault may be shared or assigned differently.
- Deductibles: The victim will likely need to pay a deductible before insurance covers the rest of the costs.
- Total Loss Consideration: If the vehicle is severely damaged, the insurer may declare it a total loss and offer a payout based on its market value.
- Subrogation: If another party is at fault, the victim’s insurer may seek reimbursement from that party’s insurer.
- Impact of Weather: Rainy conditions could be considered a mitigating factor, possibly influencing fault determination and claim outcomes.