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Collapsed seat. Figure 1. The driver’s seat collapsed backward, causing the driver to lose control of the vehicle. (Photo: C. Roberts)

The claims analyst is sometimes faced with an unusual set of circumstances that may have caused an automobile accident. This somewhat unusual case study deals with a single automotive vehicle accident where the vehicle was a total loss, and the insured driver was injured.

According to the insured, he was driving on a straight road during the day, with good weather conditions, when the driver’s seat suddenly collapsed backward, causing him to lose control of the vehicle, which ended up in a ditch. Examination of the vehicle resulted in the photo in Figure 1 showing the driver’s seat collapsed onto the back seat.

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