Sometimes, it’s hard to tell who was responsible for a car accident.
When vehicles hit one another during merging, or crashes happen in parking lots, it’s hard to determine who is liable.
But what should you do if you know for certain that you’re responsible for the wreck. What If you’re in this mess, let’s go over a few things that you can do to fix the issue.
What to Do After the Dust Settles
Let’s say you had a moment of relapse, and you suddenly hit a car in front of you. You pressed on the brakes, but you still hit the back of the car, causing damage to both vehicles and hurting the other driver.
Fault is clearly on you, so what do you do now?
First, obviously let the dust settle and exchange the information, and make sure that you let insurance know about this too.
Car insurance will give you cove rage that align with the details that are spelled out within your policies, that’s in accordance with the laws of the state. But let’s look a little bit deeper at this.
Fault Versus No-Fault
Usually, when you’re in the fault state, it means that the person who was responsible for the crash, or the insurer will be responsible for the losses of those harmed during the accident, which includes bills, damages, wages that are lost, and pain and suffering
In those “no fault” states, the insurance laws are created where the vehicle owners must have “personal injury protection” which starts after an accident to pay for bills and other losses that are suffered by the holder of the policy, regardless of who is at fault of course. Only in some instances do at-fault drivers get sued in no-fault states.
Vehicle Damage Liability
No-fault insurance doesn’t apply to the damage of the vehicle, and the responsibility does come down to the insurance at this point.
When you’re at fault, the other drive must submit claims to their own insurance, but the insurer will also look to both insurance carriers for the reimbursement.
So you’re not gonna be responsible for the repair costs of the driver, but the thing is, your premiums will go up when you have a policy renewal, especially if you have citations or moving violations connected to the crash as well.
Liability for Crashing
When it comes to crash injuries, in “fault” states, the person who is injured can sue you, and it’s a personal injury lawsuit that comes because of negligence during driving.
Insurance companies will give you liability coverage to protect the drivers against these types of issues, but most don’t’ carry the amounts needed to pay the injury claims, especially if there was severe bodily harm. If you’re sued for damages, you might want to make sure that you do take some time to ensure that you do hold enough coverage for each case.
But do remember that fault during these kinds of cases are not as easy to understand as you think. It does depend on the type of state that you live in, who is at fault as a driver, and whether or not you’re carrying enough insurance.
There also may be eyewitnesses called to confirm that there were no turn signals used, or even police footage to help determine this as well.
Remember that accidents do happen, but make sure you’re ready for whatever whenever a claim is made against you, to help you understand whether or not you’re at fault for causing the accident.