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Single-vehicle accidents — where your vehicle is the only one involved — are NOT automatic dead ends for compensation, despite what insurance adjusters often claim. When you crash into a tree, pole, guardrail, or other object, the immediate question is “who or what caused it?” In thousands of California single-vehicle cases, the answer is another driver who fled (phantom vehicle), a road defect (Caltrans/city liability), a vehicle or tire defect (product liability), or another at-fault party. Single-vehicle settlements range from $25,000 for minor injuries with UM coverage to $5,000,000+ when product liability or government liability applies. Under California Code of Civil Procedure §335.1 you have 2 years to file. Call Sky Law Group 24/7 at (844) 475-9529. Hablamos Español. Single-Vehicle Crashes Are Not Always “Your Fault” Insurance adjusters often try to close single-vehicle claims as “single-vehicle = driver’s fault = no recovery beyond your own collision coverage.” This is wrong in many cases. Common single-vehicle scenarios where you HAVE a claim: Phantom vehicle / hit-and-run — Another vehicle ran you off the road and fled. Your own UM (Uninsured Motorist) coverage applies even when you never made contact with the other vehicle Road defects — Caltrans, city, or county failed to maintain the road properly. Examples: pavement defects, missing or defective signage, dangerous shoulder drop-offs, missing guardrails, defective road design, debris not cleared after notice Vehicle defects — Brake failure, steering failure, sudden unintended acceleration, airbag deployment causing crash, defective tires (product liability against manufacturer) Recent repair work — A […]