Many South African road users are still under the mistaken impression that a driver who has right of way cannot be held liable for the negligent actions of other drivers, according to Johannes du Plessis, a legal expert at Risk Beneift Solutions (RBS).
As a result, he warned that responsible drivers could find themselves having to pay damages, even in cases where others had caused the collision.
“If, for example, a negligent driver fails to stop at a stop sign or red traffic light and drives into the path of other drivers with right of way, or engages in any other kind of negligent behaviour, other drivers are obliged to avoid colliding with the negligent driver’s vehicle insofar as is reasonably expected, and keep their own vehicle under control,” said Du Plessis,
“If a negligent driver collides with you, and you did not fulfil this obligation, you may be held to have contributed proportionally, for example 30%, to the collision and you may therefore be liable for such proportion of the other party’s damages, he continued.
“In these cases, it may even be that you end up having to pay damages to the negligent driver, while the negligent driver owes nothing to you.”
A scary example
Du Plessis provided a case study of how awry this can go for the innocent party, based on previous legal precedent.
If the negligent driver’s car is significantly more expensive than the other driver’s, the other driver could stand to be liable for the largest amount of damages, notes Du Plessis.
“Let’s say for example, that you now have to pay 30% of the negligent driver’s damages, and his damages equal R100,000, which means that you owe the negligent driver R30,000. The negligent driver, on the other hand, has to pay 70% of your damages, and your damages total R40,000, which means that he owes you R28,000.”
“If you subtract the negligent driver’s liability of R28,000 from your liability of R30 000, you remain liable for the difference of R2,000.”
Du Plessis adds that if an innocent third party is involved in the collision, for example, if you fail to reasonably avoid the collision and the negligent driver pushes your vehicle into an innocent party’s vehicle, that innocent party only needs to prove that you contributed 1% to the collision in order to claim 100% of his or her party’s damages from you.
What to do?
According to Du Plessis the, the first course of action is understanding what you are covered for under your current car insurance.
“Some motor vehicle insurance policies are only applicable to liability in respect of certain vehicles owned by the policyholder, and other may be worded as to insure your liability for any vehicle you drive. It is prudent that you consult an insurance broker to obtain the correct motor vehicle insurance policy.”
“In a country where motor claims cover more than 50% of all claims and the vast majority of road users still do not take out vehicle insurance, far too many people are unnecessarily exposed to risk of liability as a result of the negligence of others,” he said.
Article credit https://businesstech.co.za/news/motoring/175733/how-much-you-have-to-pay-for-damages-if-another-driver-skips-a-red-light-or-stop-sign/