Showing posts with label accident. Show all posts
Showing posts with label accident. Show all posts

Friday, November 18, 2011

Stress of the Job

This is a continuation of a series of articles regarding the different types of stressors that officers face daily, in their personal and professional lives from a personal point of view.
by Dave Robbins, retired Metro Officer

Returning to riding the motorcycle after my first accident was harrowing, to say the least.  I was always on edge.  Every revving engine, screeching tires and passing vehicle raised the hairs on my neck.  I was constantly looking in my mirrors and panning the horizon.  I didn’t want to be on the roadway.  I never finished my motorcycle field training before the accident. 

I had my doubts.
I went to accident scenes and tried to make heads or tails of the evidence presented to me. 
It took a long while before I felt somewhat comfortable riding.  You never feel comfortable after being involved in an accident.
My first exposure to a fatal accident investigation was near the Charleston underpass, by the “Holsum” Bread Company.  My supervisor had already arrived and began walking me through the scene, describing skid marks, the dog who had been hit, the end position of the vehicle and the dead person (He was outside the vehicle) with the top half of his head missing and the brain lying in the gutter.  After my amazement of the brain’s position and lack of apparent damage, I tried to recreate the pre and post-accident events.  Very confusing.  Even the officers on scene were having a difficult time deciphering what had happened.
The traffic Fatal Detail arrived a short time later and after a brief walk-through, described what had happened.
The dead person was the driver of the vehicle.  He was not belted in.  The impact into the guardrail, spun his vehicle, which caused his body to be partially ejected, but his leg was hung up in the window.  His body was flung into the front of the windshield and his head hit the windshield wiper just right, causing his skull to pop open and eject his brain which rolled down the embankment and into the gutter.  The dog (still alive, but with a broken leg) was a stray that just happened to be in the wrong place at the wrong time.
After attending a few of these scenes with senior motor officers, I felt comfortable with my accident investigations and even became interested in the dynamics of a vehicle accident.
For example;
A person with metal piercings/jewelry in their face will almost certainly receive “interesting” injuries when they fail to wear the seat belt and their face impacts the windshield, or if the airbag deploys and the metal snags in the material of the airbag.  Flaps of skin are peeled back, requiring many stitches.
If a human skull hits a corner of a vehicle, it will pop open and launch the brain.
Drivers and passengers not wearing their seat belts that are ejected from the vehicle during the accident don’t always survive and sometimes are crushed by the same vehicle they were just in.
If someone fails to properly store objects in the trunk or outside of the passenger area of the vehicle, the objects become missiles when the vehicle is involved in an accident.  In many cases, those objects were responsible for the deaths of the occupant(s).
Sometimes, a person that is literally run over by a vehicle will survive their injuries.  One of my investigations involved a small child that was run over by a large SUV, over his chest area, causing a “hydraulic” effect, swelling his head to almost twice the normal size, and thankfully, the child survived.
Vehicles are now designed to crush and absorb the force of a collision, but able to keep the passengers relatively safe.  Unlike your first car, which was probably built completely of steel and hardly dented the bumper when you ran into something.
The front windshield is a laminate and will act as a “net” when something impacts into it while the side windows break into small pieces to avoid large shards of glass flying around and also allow the window to break if someone is trapped inside.
Part of our duties was to investigate employee’s on-duty accidents.  I found there was definitely a double standard.  Many supervisors, without knowing anything of accident investigation, would automatically accuse the employee to be at fault.  On many scenes, I would describe what had occurred, sometimes with witnesses help, and the supervisor would say, “So it’s our fault”.  I would explain it again to reiterate that it wasn’t and get the same response.  On many occasions I would ask if the supervisor would like to complete the accident report. 
Some accidents were the employee’s fault, with varying degrees of damage.  Some required citations to be issued by the supervisor, others did not meet the criteria by policy or statute for a citation, but some supervisors felt it was necessary to cite all employees.
After the accident, the employee was subjected to an “Accident Review Board” consisting of a board of department members to review the accident and the employee’s culpability and adjudicate administrative discipline, ranging from no punishment to hours of suspension.
Many ranking members of the department have “skated” from on-duty collisions without so much as a talking to.  One lieutenant rear ended a citizen while riding his police motorcycle, causing injuries and never received a citation.  I investigated a motor officer’s single vehicle accident consisting of striking a concrete barricade while responding to an officer’s request for assistance after being shot several times.  No damage to the barricade.  The bike was damaged, not beyond a few scrapes,  and the officer was injured slightly.  The supervisor arrived on scene and began writing a citation for “not maintaining a travel lane”.  I strongly questioned that decision.  The supervisor said he “had to”.  I told him that he didn’t and to look at the circumstances.
It was frustrating at best, not knowing if we were being backed up by the department and our decisions, based on law, were even being considered.
I then realized that our traffic substation was not even noted on the LVMPD website as a substation, even though we offered all the services of a substation.
OF course, our substation was considered a “dinosaur” by department standards.
To be continued…

Monday, October 3, 2011

Do you have the proper car insurance?

Do you have the proper car insurance?

When I was involved in conducting accident investigation, the most common question was "do they have insurance?" 

I always told them that they would get the other driver’s insurance information on the information sheet I would give them after my investigation was complete.
A few days later, I would receive a phone call from one of the involved drivers claiming that the insurance information on the report was not valid.

As an investigating police officer, I can only get information that was given to me at the scene and appeared to be valid. We do not call the insurance company to make sure that the driver was current in his payments or that his policy had lapsed. If the documents they produce at the scene appear to be valid, that is the information that is documented on the accident report.

Inevitably, a driver would neglect to pay his insurance policy during the contract period, but his proof of insurance document would show the expiration date in a few months.

The phone call involving the other driver would consist of their request for me to follow-up on the insurance. At that point, we cannot track down the other driver to issue another citation or summons into court and I would tell the other driver to contact his own insurance company for follow-up.

A few days later, I would receive another phone call from the same driver, stating that his insurance company was not going to pay his claim because he only had liability insurance with no coverage for underinsured/uninsured drivers.
Sometimes, I would receive a tongue lashing, as if it was my fault for allowing the other driver to operate a motor vehicle, uninsured in the state of Nevada. 

I understand vehicle insurance is expensive, and the economy is in the toilet, and a lot of people are out of work, but having a vehicle is a priority to get around. Many folks are able to pay off their vehicle loan, and immediately drop their insurance coverage from full coverage to liability only.

When this change comes into play is when they become involved in a vehicle accident that may or may not be their fault. For instance, we have a high incidence of hit and run drivers, which leaves the victim driver with little or no information about the other car and driver. When the victim driver contacts his own insurance company, he may be told that he only has liability insurance and is not covered in the accident. The vehicle may be totaled and is written off with no compensation towards a new vehicle.
The few dollars per month you save reducing your coverage will not be worth it when you find out your vehicle is being totaled.

Talk to your insurance agent about your coverage. Don't just try to get the lowest amount of monthly payment. Ask your agent about roadside service, towing, rental cars, underinsured/uninsured motorists, deductibles, and your coverage amounts. Nevada has a minimum 15/30/10 law which means they cover 15,000/30,000 per accident for injuries. For example, if one person was injured, they may receive $15,000 coverage. If it was two injured in the accident, each person would receive $15,000 coverage. The third number is for property damage.

There are very few vehicles on the road, if totaled, that would be covered by the $10,000 limit, and the cost of medical care is beyond belief. An ambulance trip alone will cost you about $1000. Depending on the treatment you receive at emergency, it could cost anywhere from $500 on up. If you received a broken bone, and a minor surgery, I'm sure that would eat up the minimum coverage.
Take some time and go over all the "what if" scenarios.
A few dollars extra per month could save you several hundred per month in new car payments.