Even the most responsible driver can be involved in a car accident. To make a bad situation worse, it’s not always easy to determine who was at fault. One witness may say it was you who failed to yield, while another witness claims it was the other driver’s error in judgment. If you find yourself in this predicament, it’s important to know your rights as well as the process for processing fault and no-fault insurance claims.
If you’re found to be at fault, it means you caused the incident to occur. It doesn’t mean you intended for it to happen, but according to the law, your actions are deemed responsible for the accident. If you’re found at fault, your car insurance will usually still cover repairs of both your and the driver’s vehicle. However, even if you have the most comprehensive insurance coverage, it’s better to be classified as not at fault. According to the Law Offices of Michael Cordova, obtaining a traffic accident report is important for proving fault and receiving compensation for the damages that your car received.
If you’re deemed not at fault, it means you are not being held responsible for the accident. It also means you and your car insurance company aren’t liable for any damages or injuries that were sustained at the time of the accident. Keep in mind that not every state follows a no-fault system, so it’s essential to know if where you live does. According to Western National Insurance, there are currently twelve states that require no-fault insurance. Whether your state requires it is especially important to know if there are conflicting incident reports and you need to go to court.
Regardless of whether you’re found to be at fault or not, you need to follow a specific protocol for filing a claim. When filing a no-fault claim, according to the Insurance Information Institute, you need to cooperate with your insurer’s requests. You may have to give recorded statements. You may also need to see a physician who is chosen by your insurance company. Failure to comply with these requests gives your insurance company grounds for dismissal.
If you caused the accident, you need to know what your insurance will cover. This largely depends on what type of insurance coverage you have. If you have collision coverage, you’ll probably have to pay the deductible. This means that you are liable for the damages until you meet the deductible amount. In some states, insurance companies will cover the damage sustained to the other driver’s vehicle. If you are at fault but purchased accident forgiveness coverage, you may be able to avoid an increase in your monthly payment. However, not every insurance carrier offers this, so be sure to ask about this add-on rider.
Being involved in a car accident is frightening and often costly. While no one wants to be considered at fault, the most important thing is that no one was hurt in the collision. If there are injuries, always contact EMS before calling the police or your insurance company.
If you are in an accident, let us know. We are here to give you a tow when you need it!