What Happens if You are Cause for a Car Accident?

A car accident is a very annoying situation, especially when you are at fault for that accident. You might worry and afraid of what happens next. You might bother about thinking about what should I do. But when you are cause for a car accident, there are factors that are considered like where you live, what comes under your car insurance coverage, and degree of your fault in the accident.

When two vehicles collide, it is not easy to determine an accurate liability. But if you find yourself at fault for the accident, here are a few things that you should consider.

The situation for the accident

If you were doing other activities like texting, talking over the phone while driving and these distractions kept your attention from the road. Suddenly you see a backup of traffic in front of you and press the break nervously. But it was too late and you hit the vehicle that was before of you. This caused extensive damage to both vehicles and injured the other car’s driver.

Next, the parties involved in the accident inform their insurance companies and they will provide coverage in line with the details spelled out in the relevant policies according to state law.

States in a car accident

There are two states in a car accident:

Fault States: The person at fault is responsible for the damages and injuries of another person.

No-Fault States: Each person’s car insurance typically covers their damages.   

Coverable damages if you are at fault

There are following damages that you have to pay for if you are at fault in a car accident or personal injury case: 

• Medical expenses and treatment cost
• Prescription medications
• Damage to the vehicle
• Lost wages
• Pain and suffering compensation 

In most cases, the above expenses are paid by your car insurance provider unless they exceed your policy limits.

Who will pay for damages to your car?

Now it is clear that your car insurance policy is responsible to pay for other driver’s damages. But what about your vehicle damages? 

It depends on the insurance plan that you have taken. If there is collision coverage in your policy, it should cover a maximum part of your car damage.