What does "phantom vehicle" refer to in the context of vehicle accidents?

The term "phantom vehicle" refers specifically to a vehicle that causes an accident without making physical contact with another vehicle. In the context of vehicle accidents, this typically involves a hit-and-run scenario where a driver swerves or reacts to the presence of another vehicle that is not actually involved in the collision. The effect of such a phantom vehicle can lead to injuries or damages due to evasive actions taken by the driver who perceives the threat.

This understanding is crucial for drivers and insurance policies because it highlights situations where injuries can occur not just from direct contact, but also from the behavior triggered by unseen circumstances. The nuances of coverage for hit-and-run accidents and phantom vehicle incidents are also important for insurance claims, which further underscores the relevance of understanding this term in the field of auto insurance.