Being involved in any driving accident is sure to be stressful. But when the accident is your fault, the experience can be even more overwhelming and you’ll be anxious to know what happens next. Hopefully, you’ll never be in an at-fault road accident in the U.S., but if you are, it’s best to be prepared. So, here are six important things you should understand.
1. You need to Remember What to Do Straight After an Accident
Regardless of whose fault the accident is, it’s important to report the accident to the police so that they can file a report. You also need to get information from the other driver, such as his or her name, contact details, license plate number, and insurance information. Get the contact information for witnesses as well. To help you during the insurance claim, it can also be very helpful to take photographs of the accident scene and any injuries; so that you have evidence to present to an insurance claims adjuster or in court.
2. You Need to Inform Your Insurance Company
You need to tell your insurance company about the accident as soon as you can. If you don’t, you could miss out on coverage.
3. You’ll Need SR22 Insurance to Continue Driving if Convicted of a Serious Driving Accident or Offence
If a judge or jury decides your recklessness or negligence caused the accident and the accident resulted in a serious offence, your license will be suspended for a certain period of time. To get it reinstated, you’ll need to get SR22 insurance. It’s a special type of insurance for drivers with offences that insurance companies consider to be high risk. You can find cheap SR22 insurance by comparing different insurance company quotes online. If your driving accident resulted in a serious offence like vehicular assault or a DUI, you will not be able to legally drive in the U.S. again until you get SR22 insurance.
4. Know About No-fault and At-fault States
The majority of states in the U.S. are at-fault states, but some are no-fault states. If you live in the former, the person who is responsible for the driving accident will hold liability for anyone who is injured in the accident. The other driver would file a claim with your insurer and either you or your insurance policy would pay for the damages. But in a no-fault state, each driver’s insurance coverage usually covers the losses.
5. You Could Be Partially at Fault
Some vehicle accidents can result in both drivers sharing the responsibility for the accident. For example, you and another driver could back up at the same time and hit one another. In such cases, you’ll share a percentage of the fault and your losses will be calculated accordingly. Your percentage of fault determines the amount of compensation you could receive for things like medical bills, loss of earnings, and pain and suffering.
6. You Probably Need a Lawyer
Whether you’re facing an insurance adjuster or a judge and jury after causing a car accident, it’s recommended that you hire a lawyer. If you’re partially to blame, an attorney can help to determine what your losses come to and protect your rights. A lawyer can handle your case to determine if you were actually at fault and help you in not paying an unfair settlement. You can get free advice from most experienced lawyers, so don’t ignore this avenue. Having a qualified lawyer by your side after a driving accident that you caused won’t only help you gain the best outcome. It will also bring you comfort during your stressful time.