If you are involved in a car accident, it is a hectic one. Have you thought about what to do if you are at fault in a car accident? When you are at fault in a car accident, the effects depend upon where you live.
Whether you live in a fault or no-fault country. It also depends on the information on your car insurance policy.
Even though you are at fault in a car accident, your lawyer for a car accident can help you. A lawyer for a car accident revises your case and helps you on how to proceed further.
- Important Things To Know About Fault?
- What Is Meant By Fault?
- What Is Meant By A No-Fault State?
- What To Do After A Car Accident?
- Make A Call To The Police?
- Get Information?
- Gather Pieces Of Evidence?
- Contact Your Insurance Company?
- Things You Are Not Supposed To Do After An Accident?
- Don’t shout?
- Don’t Accept The Fault?
- Don’t Talk About The Car Accident?
- Don’t Thrash Out?
- Loses May Cover If You Are At Fault?
- Hire A Lawyer For Car Accident?
Important Things To Know About Fault?
If you are the reason for the car accident like you did something which caused the accident, you are possibly at fault.
At first, the insurance company will decide who is at fault for the accident. Your insurance company will pay for the losses of the victim.
Every country has its own rules and regulations regarding car accidents. According to that, the insurance policy and claiming compensation take place.
What Is Meant By Fault?
At fault is nothing but a car accident which is caused by the driver’s negligence. In law, negligence is in default to take responsibility to prevent injuries to another person.
The at-fault driver is responsible for the car accident and he should pay the compensation. Some examples of at-fault negligence are.
Alcohol consumption and drug influence
Equipment failure (brakes)
Using mobile phones while driving
Driving on the incorrect path (one-way)
In most states, if you are at fault for an accident, you have to pay the compensation of the opposite driver.
These losses include medical bills, lost wages, pain and suffering loss, and vehicle damage. If you are partially at fault in the accident, the compensation you have to give will be divided and reduced.
Lawyers for car accidents can calculate how much percentage of money you have to give. Getting legal advice from a lawyer for a car accident helps you to know what to do next.
What Is Meant By A No-Fault State?
No fault state refers to the state where you can make your injury claim with your own car insurance company instead of who caused the accident. In a no-fault state, the drivers will have Personal Injury Protection (PIP) coverage.
It carries the coverage of medical bills related to your car accident injuries, lost wages, vehicle damages, and funeral costs if someone is dead as a result of the accident.
Each no-fault state has its laws. Find a lawyer for a car accident to know certain rules followed if you are in a no-fault state.
What To Do After A Car Accident?
Even though you are very careful while driving, there are still chances of getting involved in a car accident. There are some important things you have to do after an accident.
Make A Call To The Police?
Almost in all states, the immediate thing you have to do is to call the police and ambulance after the car accident. Check whether you have got severe injuries.
Try to get the mobile numbers, mail addresses, and insurance policy information of the other drivers and witnesses.
Gather Pieces Of Evidence?
Take pictures of the crime scene on your mobile. Record the accident scene and the damages done to your car as a result of the accident.
Check whether there are any CCTV cameras nearby. Gather footage from those cameras. It will help you to know your fault and find a solution for it.
Contact Your Insurance Company?
Even though you are at fault for the accident, tell all the details to your insurance company. Some insurance companies expect you to report the incident immediately. If you report immediately, it will help you in the case.
Things You Are Not Supposed To Do After An Accident?
There are certain things you must not do after a car accident.
There will be a flow of emotions after the car accident. Don’t yell and be mad at the other driver. It can be turned as you are accusing the other driver and they can make a fault at you.
Don’t Accept The Fault?
Even though you may assume that you are at fault for the accident, don’t utter any words that you caused the accident.
Don’t say this to the police or the other driver. Also, don’t say sorry for the accident.
You may not know whether the other driver is partially at fault for the accident or not. Think before you speak!
Don’t Talk About The Car Accident?
Don’t talk with the other party, or their insurance company by stating some facts of the accident. Discuss with your lawyer a car accident before speaking with the other party and their insurance company.
Your lawyer for a car accident may help you at this juncture. Talk only with the police and your insurance company by saying all the truth about the incident.
Don’t Thrash Out?
The crime scene is not the right place to discuss the matters related to the accident. Don’t sign any documents or assure that you will pay
The damages. Let police and insurance companies deal with paper works and other important matters. After all the investigation is done by the police, check with them and leave the crime scene. Don’t be the first person to leave the place. Police may consider you as the suspect.
Loses May Cover If You Are At Fault?
All types of car insurance are intended to cover the losses caused by a car accident. But the information of what are all the damages it covers depends on the elements like what state you live in, what are the rules it has and what type of policy you have chosen.
If you are responsible for the car accident, your liability insurance will compensate all the coverage. Liability insurance gives protection against claims resulting from the injuries and damages which is caused by you on the other side.
Different types of liability insurance coverage help you to protect yourself and your business. It includes medical bills, vehicle damage, lost wages, legal expenses, pain and suffering, etc. in the case of personal liability insurance.
In a no-fault state, a person will carry their own PIP insurance to pay their medical bills and other related bills, regardless of who caused the accident. This PIP usually did not cover vehicle damage.
So the people in no-fault states would frequently get collision coverage in addition to PIP. Collision coverage helps you to pay for the repaired or replaced vehicle resulting from the car accident.
Hire A Lawyer For Car Accident?
If you are responsible for a car accident, without a second thought you should talk with a lawyer for a car accident.
Only the lawyer for a car accident will know the rules and regulations followed in your state. He will help you to find certain pieces of evidence which will help you if you file a suit against the other driver.
There are even chances that other drivers may be partially at fault for the car accident, So, there are chances that the compensation amount which you give to the other party will be reduced. The best option is to hire a lawyer for a car accident who helps you with all you might.