You never know what kind of pictorial evidence could help bolster your claim. Even if you don’t think a particular image will be helpful, snap it anyway. After the accident, take photos of the damage, but also of the road you’re on, the intersection where the collision occurred and any road signs or traffic lights that may have played a role. Physical evidence will take priority over any testimony, so it’s important to collect any proof you have that the incident went down the way you said it did. The insurance company will conduct an investigation into the accident to determine if any evidence helps prove one person’s story over the other. Choosing your words carefully can help you build credibility with everyone involved. Car accident fault can be complicated, and insurance companies will look for any reason to deny a claim. If you’re not sure how to handle questions from police, the insurance company, or the other driver, consult with an experienced personal injury attorney for guidance. To ensure the best possible outcome, be honest about the accident and never misrepresent the incident. Your own credibility will also be considered. Their criminal record, demeanor, attitude, and the plausibility of their argument all factor into a person’s credibility. To determine the credibility of a motorist’s testimony, judges and juries will look to the consistency of the statements made about the crash. If a driver hit you and claims the accident was your fault, for example, a jury may not necessarily believe them. When accident fault comes down to your word versus the other driver, the credibility of everyone involved becomes crucially important. Property damage is fault-based in these states, so any repair bills would be covered by the at-fault driver’s insurance company. When an accident happens in these locations, each driver’s insurance company covers their own medical expenses. When the car accident happens in one of the twelve no-fault states, though, drivers typically carry personal injury protection coverage, also known as PIP. Medical bills, lost wages, and intangible damages like pain and suffering can all be included in the victim’s settlement. In tort or fault states, the financial damages from a crash are typically covered by the insurer of the at-fault driver. In most states, auto insurance coverage is indeed based on fault. From an insurance company’s point of view, though, virtually all accidents are the result of someone’s recklessness or negligence. How Fault Impacts Auto Insurance CoverageĪccidents are, by definition, accidental. Regardless, it can be difficult to determine car accident fault when it comes down to your word against theirs. How Much Is My Car Accident Settlement Worth?.How Much Is Your Car Accident Settlement Worth?įind out the maximum compensation you could receive.
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