What if a car accident was my fault?

If you believe you are at fault for a car accident, it's important to remain calm and follow the correct procedures. Your primary legal responsibility is to stop at the scene, check for injuries, and exchange information with the other driver. Never admit fault at the scene of the accident, even if you think you caused it. Stick to the facts when speaking with others involved and with the police.

Report the accident to your insurance company as soon as possible. Be honest and provide a detailed account of what happened. Your liability coverage is designed to pay for the other party's bodily injuries and property damage, up to your policy limits. Your insurer will investigate the claim to officially determine fault and manage the claims process.

Depending on your policy, you may have collision coverage to pay for repairs to your own vehicle, though you will likely have to pay a deductible. Causing an accident will probably lead to an increase in your insurance premiums at your next renewal. Following these steps helps ensure the situation is handled properly and protects you from potential legal complications.