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Side Impact Collisions: Understanding Your Rights

When you’re heading through an intersection and get hit from the side by another vehicle, that’s called a side impact collision. These crashes often happen quickly and without...

Published
November 30, 2025
Updated
Reading time
5 min read
Author
Gingery Hammer & Associates, LLP
Damaged car door after a side impact collision in Roseville

When you’re heading through an intersection and get hit from the side by another vehicle, that’s called a side impact collision. These crashes often happen quickly and without much time to react. The damage can be serious, especially depending on which side of the vehicle gets hit. Whether it’s a T-bone crash or a sideswipe, these accidents can be stressful and confusing when they happen.

If you’ve been in a side impact collision in Roseville, it helps to understand what your options are moving forward. Knowing what to do in the first moments, the common causes of these crashes, and how your rights come into play can make things a little more manageable. Understanding the process can give you the clarity to take steady steps during a chaotic time.

What Are Side Impact Collisions?

Side impact collisions happen when the side of a vehicle is hit by the front or rear of another vehicle. They’re also known as T-bone crashes or broadside collisions. These crashes can be especially serious for anyone sitting on the side that gets hit.

Here are a few common situations where side impact collisions occur:

  • A driver runs a red light and hits another vehicle crossing the intersection
  • Someone fails to yield when turning left and crashes into the side of an oncoming vehicle
  • A vehicle changes lanes and sideswipes another car already occupying that lane

Most often, side impact crashes happen at intersections or during lane changes. Timing, visibility, and poor decision-making are often involved. No matter how it happens, understanding your next steps can bring some control back into the situation.

Who Is at Fault in a T-Bone Crash?

Fault in a side impact crash often comes down to right of way, and California’s Vehicle Code sets the rules. A driver facing a steady red light must stop and stay stopped until a signal allows them to go. A driver turning left must yield to oncoming vehicles close enough to be a hazard, and keep yielding until the turn can be made safely. On a road with two or more marked lanes in the same direction, a driver may not move out of a lane until it can be done with reasonable safety.

When a driver breaks a safety law like these and causes the kind of crash the law is meant to prevent, California law presumes that driver was careless. That presumption can be rebutted, and fault can be shared. If you were partly at fault, your damages are reduced by your percentage of responsibility, but you may still recover the rest.

Immediate Steps to Take After a Side Impact Collision

It’s normal to feel overwhelmed after a crash, especially if you or someone with you is hurt. Safety should always come first. Whether you’re on a busy Roseville roadway or a smaller side street, these early actions can make a big difference.

1. Check on everyone’s safety: Make sure you and any passengers are unharmed. If you’re able to move safely, check on the other people involved in the crash.

2. Call emergency services: Even if no one looks injured, call 911. Police can file a report and EMTs can check for injuries that might not show up right away.

3. Gather important information: California law requires drivers to exchange their name and address, driver’s license number, vehicle identification number, and insurance company and policy number. Get a phone number too. Use your phone to take pictures of the scene, vehicle damage, traffic signs, and road conditions.

4. Look for anyone who saw what happened: Eyewitnesses can offer extra details that help down the line. Ask them politely for their contact information in case it’s needed later.

5. Seek medical attention: Some injuries don’t show up right away. Concussion symptoms can take hours or days to appear, and whiplash pain can take hours to weeks. Seeing a doctor soon after the crash helps identify any hidden issues and builds a record of your care.

6. Report the crash: If anyone was hurt, the crash must be reported to the police or the CHP within 24 hours. Each driver must also file an SR 1 with the DMV within 10 days if anyone was hurt or property damage is over $1,000.

Responding calmly and staying organized helps protect your health and gives you a stronger foundation if you need to file a claim or talk to insurance.

There’s a lot that can follow a collision. Between dealing with injuries, car repairs, and conversations with multiple parties, it’s easy to feel pulled in every direction. When you understand your rights and responsibilities after a crash, it can make decisions easier.

If you weren’t at fault, there may be damage to your vehicle, days of work missed, and growing medical bills. The other driver may have been distracted, careless, or violated a traffic law. On the other hand, when fault isn’t clear, evidence and testimony become important in sorting it out. Things like video surveillance, photos from the crash, or witness accounts could all be reviewed.

If you weren’t at fault, your own insurance should not cost you more because of the crash. California law says an auto insurer’s rating plan cannot raise your premium based on an accident in which you were not at fault.

Time matters too. You generally have two years from the injury to file a personal injury lawsuit and three years for damage to your car. If a government vehicle or a public road condition is involved, a written claim is generally due within six months.

This is where an experienced accident lawyer in Roseville can help. They can explain your rights, outline your options, and help handle important details. Whether it’s getting access to police or medical records or advising on next steps, legal guidance keeps things from slipping through the cracks.

It’s also smart to keep a file with all important documents related to the accident. This might include:

  • The official police report
  • Medical evaluations or treatment summaries
  • Estimates and receipts for car repairs
  • Contact and insurance information for all parties
  • Photos or videos from the scene

With everything organized, it’s easier to move forward confidently and relay your side of what happened.

How an Accident Lawyer Can Help

If you’re unsure about how to handle things after a side impact collision, you’re not alone. Legal processes can be difficult to manage when you’re trying to get back on your feet. An accident lawyer focused on Roseville cases knows what steps to take.

Here are ways they can help:

  • Review all aspects of the crash to understand what happened
  • Gather and preserve helpful evidence
  • Handle back-and-forth with insurance companies
  • Negotiate with adjusters to avoid low offers
  • Make sure your claim considers both immediate and future needs

Having someone who handles these situations daily means less stress for you. Instead of juggling phone calls, forms, and receipts, you can concentrate on recovering and getting life back on track.

Frequently Asked Questions

Who is at fault when you get T-boned in California?

Often the driver who failed to yield the right of way, such as a driver who ran a red light or turned left in front of oncoming traffic. Breaking a safety law like these creates a presumption of negligence, but the facts decide, and fault can be shared between drivers.

Will my insurance go up if I’m not at fault in California?

Not because of that accident. California Insurance Code § 491 bars an auto insurer’s rating plan from raising your premium based on an accident in which you were not at fault. If the insurer finds you at fault when the accident report says you were not, it must investigate first.

Should I file a claim if the accident is not my fault?

You should at least report it to your own insurer. The California Department of Insurance advises notifying your agent or insurer right away, and your policy may require it. If the other driver has no insurance or too little, your uninsured motorist coverage may help.

What should I not tell the insurance company after a side impact crash?

Don’t guess and don’t sign anything about fault. The California Department of Insurance warns against signing statements about fault or promising to pay for the other party’s damage. Stick to the facts you know.

Can I still recover if I was partly at fault for the crash?

Yes, in many cases. Under California’s comparative fault rule, your damages are reduced by your percentage of responsibility rather than barred.

How long do I have to file a claim after a side impact collision in Roseville?

You generally have two years from the injury to file a personal injury lawsuit and three years for damage to your vehicle. If a public entity may be responsible, a written claim is generally due within six months.

Sources

This article is general information, not legal advice. Every case depends on its own facts.

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