In at-fault states, the driver found responsible for causing the accident is financially liable for the damages incurred by everyone involved. This means their insurance policy typically covers:
Repairing or replacing damaged vehicles or other property.
Covering injuries sustained in the accident.
Such as lost wages or pain and suffering, depending on the policy coverage.
After an accident, law enforcement typically conducts an investigation and files an official report. This report often includes details about the collision, witness statements, and the responding officer’s conclusions regarding fault. However, insurance companies may conduct their own investigations to determine liability, which can complicate matters.
While the system is designed to provide fair compensation to victims, it comes with challenges:
Drivers may disagree on who was at fault, leading to delays
in resolving claims.
Insurers may try to minimize payouts, even if their client is
clearly at fault.
Proving fault often requires legal expertise, especially in
cases involving serious injuries or significant property damage.
November 25, 2024
Team
Protecting What Matters Most.