Fault in a car accident directly affects who pays for property damage, medical bills, and lost wages. If you’re found at fault, your insurance coverage will handle the damages (up to your policy limits), and your rates may go up.
If you’re not at fault:
- You can file a claim with the at-fault driver’s insurance.
- You may get full compensation for bodily injury and vehicle repair.
- If the other driver is uninsured or underinsured, your own policy (like personal injury protection) may apply.
That’s why it’s important to clearly establish fault from the beginning.
