Getting in a car accident is always stressful, and they often cause significant physical injuries as well. In fact, California recorded 3,540 fatalities involving motor vehicle accidents in 2019 alone. Stressful and dangerous as they are, the last thing you need after you have been involved in an accident is trying to research exactly what your insurance covers and what it means for you.
Related post: Why You Should Review Your Car Insurance Coverage
At-Fault vs. No-Fault Car Accidents: The Main Differences
Our car accident attorneys in San Diego realize that the premise of understanding the differences between an at-fault and a no-fault car accident may be difficult. Here are the four main aspects of at-fault and no-fault car accidents that you should always understand.
1. California is an “at-fault” state. This means that the party responsible for the collision is in turn liable for damages to both the person and property of their victim or victims. Some states are “no fault” states. This requires that drivers maintain a separate insurance plan, called a Personal Injury Protection plan, which will then cover you for any injuries accrued while behind the wheel. This means that the party which caused the accident is only responsible for the property damage caused, and not the personal damages. However, the downside of “No-fault” states is that they require the purchase of additional insurance.
2. In California, you are required to hold an auto-insurance policy worth at a minimum $5,000 for property damage and $15,000 for personal injury. These policies will be activated once the holder has been involved in a collision.
3. Insurance companies, or in some cases, the court, will determine the at-fault party based on the testimony of witnesses and the evidence at hand. This is why it is extremely important to exchange contact information, insurance details, and registration documentation with all parties involved in an accident. It is also important to try to establish contact with any witnesses who could attest to the events leading up to or causing the accident.
4. There are several behaviors or circumstances that may lead a driver to be considered negligent or at fault in an accident. Some of these include
- Texting while driving
- Driving while intoxicated
- Ignoring road signs or failing to use a turn signal
- Neglecting to maintain your vehicle, causing it to be unsafe
Related post: Car Insurance Claims vs. Personal Injury Claims
Schedule an Appointment with Our Car Accident Attorney in San Diego Today
Our personal injury attorneys in San Diego are here to ensure that your rights are protected. During our consultations, we are always happy to take the time to sit with you and explain what you can expect throughout the course of your case so that you have a clear understanding of the process. With years of experience as car accident attorneys, the team at HHJ Trial Attorneys encourages you to get in touch with us today so that we can review the details of your case and work closely with you for the best outcome and result. We look forward to hearing from you and helping you through this stage of your life.
Testimonial from Julie, Former Client of Our Car Accident Attorneys
A few months ago my fiancé was in a car accident. It was very scary and we didn’t know what we needed to do or where to even begin. We found HHJ and they were so quick to help right away. They were so thoughtful and personable as they walked us through the process step by step and were able to help him get the medical attention he needed. Everyone that had they referred us to were top notch and so amazing. I am so thankful for the entire team at HHJ and all that they have done for us!