What happens if im at fault in a accident?
If you have liability insurance, it will pay to repair the other car that you rear ended. . If you have collision insurance, it will pay to repair (or total) your car subject to your deductible. How can you say your car has been totaled already if the insurance company hasn't even looked at your car yet.? If it is totaled, you will receive fair market value for it. You will not receive what you may still owe on it. If you receive less than you owe, you will still have to make payments until the loan is paid off. You need to be asking these questions of your insurance company and NOT people on the internet.
What happens in a car accident when the at-fault driver is killed?
If the at-fault driver has insurance or enough resources, then financial recovery for damages is possible.With an insured driver, you can contact their insurance company and file a claim for your damages. The amount you’ll get depends on the deceased driver’s insurance policy. If the coverage is not enough, then you can ask the rest from the driver’s estate.To recover damages from the estate, you need to file a claim with the probate court, which handles the properties and assets of the deceased. You have to file this within the statute of limitations in your area.Another possible scenario is this: if the deceased at-fault driver does not have insurance nor assets to pay for your damages, then you might have to shoulder the costs of your injury treatment and car repair with your own insurance.Going after a dead person without insurance and an estate will just waste your time. In this situation we say the driver is “judgment proof,” or unable to fulfill a court’s judgment due to conditions like financial insolvency.I recommend getting a car accident attorney to help in the process of pursuing compensation from a deceased driver’s insurance or estate. It’s the best way to ensure that you get compensated without putting extreme pressure on the family of the deceased.
Car accident, not at fault but my car is totaled, what happens now?
A truck crashed into me because he failed to yield at a left turn and was found at fault by the police. I have liability and he has Farmers insurance. Both my mom and I were taken to the hospital, I have a broken arm and my mom is in trauma for broken legs, wrists and ribs... My car is also totaled and is in the impound (I had barely bought new tires for it 3 days ago)! What will his insurance cover? What could be the worst case scenario?
What should I do if I was in a car accident that was my fault?
Are you absolutely sure you are 100% at fault?In car accidents, never admit being at fault, except to your lawyer.Generally, admitting fault is a noble and good thing to do, and I highly recommend doing so – except where the law is concerned.Why?1. In most states, if you are 100% at fault or (in some states) even just 1% at fault, the amount of compensation you (or the other person) can receive can change drastically.2. You may think that you are 100% at fault, but the accident evidence and state laws may prove that the other driver (or drivers) are actually at fault, or at least partially at fault.3. Following on point #2 above; Your perception of what happened before, during, and even after the accident, is limited by your personal experience of the accident. When you add in the physical evidence and the experiences of the other people involved, you get a much better (more objective) picture of what caused the accident and who is really at fault.In no-fault states like Minnesota, fault is not supposed to matter, but it does.If someone died, or if there are serious injuries, permanent injuries or disfigurement (scars), then establishing fault is very important, because you or your insurance company can be sued for additional damages that are not covered by your no-fault insurance.If you truely are 100% at fault, or if you have already admitted fault to the insurance company, then the wheels of justice are already rolling. The insurance adjusters and lawyers will collect damages from your insurance company.Depending upon the severity of injuries and other damages you may or may not need to hire a lawyer to protect you as much as is possible.
What happens after a car accident with no police report?
The consequences would depend on the severity of the situation.Minor accidents don’t warrant a police report. When the accident does not injure anyone and the damage to property or car isn’t serious, often the driver just files a claim with his/her insurer and everything goes back to normal. If it’s a two-car accident with no injuries, minimal damage, and both drivers are insured, the police don’t usually get involved.For accidents that resulted in severe injuries and damages to property: Hospitalization and medication for injuries, car repair, damages—all that exceeds your deductible would have to be paid out of your pocket if you don’t file a police report. You need a police report if you want to file a lawsuit or plan to get the other party’s insurance to cover your damages.A police report speeds up the processing of a claim, and sometimes, not having one or delaying the report can mean not getting your insurance to cover your damages. Insurers look at a police report to verify that the claim is genuine, meaning that the accident was real, to check who’s at fault, and to validate the damages claim.Generally, reporting to the authorities is one of the first things you should do after an accident. The only exception is for accidents resulting in minor damages. Different states have different laws on filing police reports after an accident and as responsible drivers we should know the policies in our area.
Car accident. Not at fault. Car is totaled. What happens next?
1) Yes, you still owe the balance of the car. You will use whatever your settlement is to pay off the loan and any remaining balance is for you to keep. 2) You are entitled to black book value of the car. Blue book value often overstates the value of vehicles because the market moves faster than they can adjust their prices and vehicles are a depreciating asset. 3) Nothing. It is already factored into what the car is worth. See answer to question 1. Again, cars are a depreciating asset. Unless you own a car for the length of the loan, you never get out of them what you put into them. 4) Doesn't sound like it. If you have full coverage, including uninsured motorists coverage, then the insurance company acts as your lawyer. The insurance company of the guy at-fault will pay your claim. If he does not have adequate coverage to cover your damages, your insurance company will pick up the remaining balance under your uninsured motorist provision. The insurance company will then sue the guy at-fault for any remaining balance they are out.
Car accident: Person at fault has no car insurance, what can I do?
Unfortunately, you did not buy enough insurance, since, it is more common than you realize that so many people drive and have no insurance. Insurance follows the car, so even if he did not have insurance, then the owner "may" have. But, since your insurance is handling your car damages, then they will verify this for you, since, after they pay you for your car damages, they will go after the owner/driver for their payment and your deductible. Since you bought no medical payment coverage, they cant pay for your medical bills. Since you did not buy any uninsured bodily injury, then your insurance company cannot settle with you on your injury. No rental coverage, same as above, so you are paying out of pocket. You can talk to a lawyer, but my guess, after the lawyer finds out that the owner/driver has no insurance, wont be interested, or, could ask you to pay for the lawyers services, which would not be advisable. Your only other option is to have you and your sister file a claim in small claims court against the owner/driver for your rental bills and all of your medical bills. But, if, the owner/driver has no assets, which most don't if they don't buy insurance, all you will get is a judgement, that most likely will never see a dime of it. The only way to collect would be to find out if this person has a job and can then file a garnishment on wages.
I'm 17 got in a car accident (my fault) with only a permit.?
I am 17 in California. I was driving home on a two way street, it was late, I was tired (which I don't excuse for my mistake) but I just wanted to get home. There were two cars in front of me one guy passed the car in front of him so I stupidly assumed it was okay and checked to see if it was clear (it was) then crossed the line to pass a oncoming car came and in order to avoid a head-on I swerved and nicked the other car and totaled mine. I have a citation coming in the mail. My driving test is next week, how much will this accident delay me getting my license? I want to be able to get a job and pay my parents back.