If You Are At Fault for a Car Accident
There are few things more frustrating than being involved in a car accident. If you are the one who caused the accident, the whole situation is even more stressful. Most people have not really thought about what will happen if they are at fault for an accident. It is important to know what happens in this situation, just in case it ever happens to you. This guide will explain everything you should know and give you advice if you have recently caused an accident.
The most important thing in situations like this is to have insurance. It is a legal obligation to have auto insurance that will cover the other driver in case you cause an accident. You are not required to have insurance for your own car, but it is wise to have coverage for yourself as well.
If you are found to be at fault for an accident, then you are responsible for paying for all damages other drivers involved in the accident suffer. These damages include damage to their vehicles, medical bills, and any miscellaneous expenses that are the direct result of the accident. As long as you have insurance, you will not be responsible for paying these damages out of your own pocket. Instead, your insurance provider will pay for the damages and increase your monthly insurance rates.
Most of the time, the insurance companies will investigate who is at fault for any accident. Even if you think the crash was your fault, you may not be found to be responsible. It is also possible that you are only partially at fault, which will affect who is compensated and how much. In some states, however, it is impossible to be partially at fault.
When You Do Not Have Insurance
If you do not have insurance, you are still responsible for compensating the other drivers out of your own pocket. If you cannot afford to compensate them or you refuse to, then it is likely that a lawsuit will be filed against you.
If someone sues you after a crash, you have to options:
- Agree to pay the amount in the lawsuit
- Take the lawsuit to court
If you still refuse to pay compensation, you will have to hire an attorney, to represent you. The attorneys will debate whether you are really at fault and the jury will make a decision. If you are found to be at fault, you must pay compensation one way or another. A portion of your income may be set aside to pay the plaintiff.