Insurance and Accidents

As we mentioned earlier, the first and most important detail in the aftermath of a car accident is the conclusion of fault: Who was responsible for the collision, whether by improperly operating their vehicle or by breaking local traffic laws. Everything else about a traffic accident radiates out in the determination of error.

It is important to understand what your rights are before you’re involved in an incident.


To legally operate a vehicle, you must take at least liability insurance that will pay damages in the event of an incident.

It’s important to understand that your capacity to sue or try to recover these costs from the at-fault motorist could be decided by the regional laws of the state where the incident occurred. But most states do let you pursue such damages.

In addition, it is important to understand that if your insurance covers you, your insurance carrier may ask that you take the legal services of an attorney hired by the insurance carrier on your behalf. Such a attorney won’t really be serving your interests, but instead the interests of the insurance carrier. However, you might have no choice. You need to know your rights under the particular arrangement you have with your insurance company before you run your car.

You also need to know that even if you’re found to be partially at fault for an accident, you may still have the ability to pursue damages for repairs or accidents in an crash. This is because many countries recognize both comparative and contributory negligence in an automobile collision, where error is deemed to be shared and thus a proportional quantity of responsibility can be delegated.

Additionally it is possible to demand damages for future medical costs that haven’t happened, not merely the immediate medical costs of injuries sustained immediately after the collision. Careful documentation needs to be maintained, but any harms which may be traced directly to a collision that’s at least partly someone else’s fault could be maintained.

While nobody wins when involved in an auto crash, in circumstances where a definite fault can be established, the other party has a right to be paid for their health and financial losses.

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