Martin taggart

1. Immediate Steps After a Car Accident That Is Your Fault

If you cause a car accident, take the following steps:

• Check for Injuries: Ensure everyone is safe and call emergency services if needed.
• Do Not Leave the Scene: Leaving could result in hit-and-run charges.
• Exchange Information: Share your name, contact details, and insurance information with the other driver.
• Take Photos and Gather Evidence: Document the accident scene and any visible damages.
• Do Not Admit Fault Immediately: Liability will be determined based on evidence and insurance investigation.

2. Will Your Insurance Cover the Damages?

If you are at fault, your car insurance policy will typically cover:

• Damage to the Other Vehicle: Your liability insurance will pay for the repairs.
• Injuries to the Other Party: Covers medical expenses and compensation for pain and suffering.
• Legal Costs: If the other driver sues you, your insurer may provide legal defense.

Your own car repairs are only covered if you have comprehensive or collision insurance.

3. Will Your Insurance Rates Increase?

Being at fault in a car accident will likely increase your insurance premiums, especially if:

• The damages are severe.
• You have prior claims or traffic violations.
• Your insurer considers you a high-risk driver.

Some insurers offer accident forgiveness, which prevents a rate increase after your first accident.

4. What If the Other Driver Sues You?

If the other driver files a personal injury lawsuit against you, your insurer will:

• Investigate the claim.
• Negotiate a settlement.
• Provide legal defense if needed.

If the lawsuit results in a verdict against you, your insurance will pay up to the policy limit, but you may be personally liable for excess damages.

5. What If You Were Only Partially at Fault?

Some accidents involve shared fault under comparative negligence laws. In these cases:

• Your compensation may be reduced by your percentage of fault.
• If you are more than 50% responsible, you may not receive compensation.

6. What If You Don’t Have Insurance?

If you are uninsured and at fault:

• You are personally responsible for all damages.
• The other driver may sue you for medical expenses and repairs.
• You may face legal penalties, including fines and license suspension.

7. Frequently Asked Questions

• Will I lose my license if I cause a car accident?
  Not usually, but repeated offenses or reckless driving may lead to suspension.
• Should I admit fault at the scene?
  No. Liability is determined based on evidence, and admitting fault may harm your case.
• Can I still be sued if my insurance pays the claim?
  Yes, but most claims are settled without going to court.
• Will my insurance cover my injuries if I am at fault?
  Only if you have personal injury protection (PIP) or medical payments coverage.
• How long will an at-fault accident stay on my record?
  Typically 3–5 years, depending on the insurer and location.

8. Conclusion

If you cause a car accident, your insurance will cover damages, but you may face higher premiums or legal consequences. Avoid admitting fault immediately, gather evidence, and follow the claims process. If you are sued, consult a lawyer to protect your rights.