Insurance companies don't like paying for single-car accidents. (Not that they like paying for any accident.) They see that you suffered head injuries when your car went off the road, and they think:
This had to be your fault. Compensation denied.
But hold on there. There are circumstances in which you may be injured through the negligence of another. Consider these scenarios:
- Cargo on the freeway. A lumberyard truck up ahead of you hit a bump and out spilled a load of 2x8 boards. You either drove into the fallen debris, or veered off the road to avoid it.
- Roadkill that should have been removed. You have the right to expect that dead animals will not still be on the road days later.
- The phantom car crash. Another driver cuts you off and causes you to veer off road, where you strike a guardrail. The phantom driver speeds on, oblivious to the harm he has done to you.
- Defective car part. You crash into a box elder tree. It looks bad, until you see that your right front tire had burst. Investigation shows the tread on the tire had split open.
The point being, single-car accidents come in many different shapes, and they are real, and should be covered in your policy.
It's still good to have a knowledgeable attorney on your side when you file a claim. Insurance companies are still in no hurry to pay you. Experienced legal representation is always your best shot at rightful compensation.