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2 months ago my 2 nieces were involved in a rear-end collision at an intersection. The light for her side was green & the car ahead of her started forward as 1 is supposed to… so she naturally began to move as well. At the same time a cop car in the opposite lane (other side of lights) went “active” (lights, siren going) & because no-one was behind him/her the cop car backed up, U-turned & took off after the speeding car that did an illegal move out of a parking lot.

Anyway, the rules are simple: If a driver hears sirens & they’re inside the intersection they must CLEAR IT BEFORE pulling over. The driver AHEAD of my niece FAILED to do this & applied the brakes – My niece HAD NO WAY OF STOPPING & rear-ended the driver AHEAD of her. It was in no way her fault, or even that of the driver who stopped short. He just REACTED to what he heard – A siren. Some would say it was the cop’s fault for putting their siren/lights on in a busy intersection, right? I believe it’s the speeder’s fault but I DON’T run the insurance companies/collision repair (for lack of the best word) conglomerate).

Yes, our country’s “national “claim center” deemed it 100% MY NIECE’S fault because SHE was the REAR-ENDER. The other driver tried to take responsibility for the sudden stop; even witnesses who saw what happened couldn’t sway the claim center – My niece received a “black mark on her insurance (which will increase her next renewal by $295.00, her comprehensive clause will also take a hit she doesn’t need – Her car’s a write-off & she her insurance has to pay for the other driver’s car repairs.

So shaken is my niece, she no longer wants to drive, take transit, etc. So now the family lawyer has to straighten the damn thing out because of a rigid, unfair law that allows no lee-way for drivers caught in situations outside their control, even if ICE causes a driver to rear-end another.

Is this fair? No way. Every accident comes with its own situations… What’s right, WHO’s right when things happen that YOU have NO CONTROL OVER?