Generally speaking, you should be covered by your insurance company if you happen to fall asleep at the wheel. Falling asleep and driving and accidentally getting into an accident isn’t considered to be different things. This means that in order to make sure you are properly covered, you need to pay for the right insurance. If you fall asleep, it is likely that you’re going to crash into something. For this reason, you might want to look into getting collision insurance coverage.
Repercussions of falling asleep at the wheel
If you happen to fall asleep at the wheel and wake up afterward, you’re going to have to deal with the consequences. Depending on what you hit, you could have seriously damaged someone or something. Unfortunately, to be able to pay for this, you’re going to make a claim through collision insurance coverage and potentially even liability coverage. It is important to realize that you’re only going to be covered for and receive whatever you have in your insurance policy. If you don’t have collision insurance, you will not receive any money for your vehicle. If you don’t have medical coverage/ rehabilitation coverage, you might not receive anything for that either. Always make sure you look at the details of your policies that you know what you are covered for before something like this occurs.
Will my vehicle be covered after falling asleep at the wheel?
The answer to this question really depends on the insurance policy that you currently have. If you have collision coverage for your vehicle, you will receive compensation. No matter whether you are asleep or awake and crash your vehicle, you can make a claim on your insurance through collision if you have it. Collision covers you if you crash into anything while you are driving on the road. Depending on your policy, you can have different amounts of collision coverage for your vehicle. If you have an expensive vehicle, you might want to consider having higher amounts of collision coverage. If you have a cheap vehicle, you might not need as much.
How much deductible will I have to pay?
No matter whether you are asleep or awake at the wheel and are forced to make an insurance claim, your deductible will be the same. Insurance companies do not penalize their customers for the mistakes that they make that cause their accidents. If an accident occurs, you will have to pay the arranged deductible to your insurance provider. Depending on the damage that was done to your vehicle and what you hit, it may or may not be worth using collision insurance. This is simply due to the fact that occasionally, an insurance deductible will cost you more money than the actual repair of your vehicle. If this is the case, and you can avoid using your collision insurance, you might want to consider not putting the repair through your insurance.
Importance of liability for accidents
If you happen to fall asleep while you are driving, you might need liability insurance. Liability insurance is there for you if you happen to be sued after getting into an accident. There are many reasons that people sue and it does not take injuring someone for you to get sued. If someone does happen to get injured, the amount of money this can cost can be substantial. Especially when someone is seriously injured, you might be looking at a multimillion-dollar lawsuit. For this reason, it is important to look at your liability coverage. Liability is what your insurance company will cover you for if you get into an accident and are sued. Most people cannot cover the amount of money that people sue for serious accidents, which is why liability is so important.
Falling asleep while driving charges
Unfortunately, the fall asleep at the wheel while you’re driving, you can be charged. Oftentimes, depending on what gets damaged, you might be charged. Especially if you injure or hurt someone else, you could receive some pretty major changes. However, if you just damage property of some sort, it is likely that you’re going to be charged with careless driving. This is a charge that comes with a fine and can actually come with jail time depending on the circumstances. If you get tired of careless driving, you can receive a jail term of up to six months. A careless driving charge can also lead to a suspended license. If you are being accused of careless driving, you always have the option of fighting it in court.
Is falling asleep at the wheel a criminal offense?
Falling asleep at the wheel by itself is not considered a criminal offense. Some people fall asleep at the wheel and wake up only to have nothing happen to them. However, if you happen to kill someone, you could be charged with vehicular manslaughter. This is a very serious crime that could include jail time. If you happen to get charged with this after falling asleep at the wheel, it is extremely important to seek legal advice.
How will falling asleep at the wheel affect my insurance premium?
Unfortunately, falling asleep at the wheel will definitely have an impact on your insurance premium. If it is proof that you fell asleep at the wheel, your insurance premium will definitely increase if you make a claim or are issued a ticket. The only way that your insurance premium will not increase is if there is no proof that you fell asleep at the wheel. Someone who has fallen asleep at the wheel is a higher risk for an insurance company to take on. This is why your insurance premium will increase if this happens to you.
Falling asleep at the wheel is something that you never want to do. It can happen for all kinds of reasons, but there are things that you can do to stop this from happening. Remember that it is not worth taking a risk with your life if you are tired. You can always sleep in your parked car for a while if you need to. It is also important to make sure that you read labels on any drugs that you’re taking as this is another major reason people get into an accident. Some drugs do cause fatigue and it really does not take long to fall asleep at the wheel. Be careful and drive safe.