Auto accidents are devastating and can cause an overwhelming amount of stress regardless if you are the at-fault party or not. Being the at-fault driver of a collision can truly add to the worry of the circumstance. Aside from dealing with personal property damage and injuries, additionally the at-fault driver is responsible for the other party’s damages as well. So how does car insurance work if you are at-fault?

  • Insurance rates go up– If you are found at-fault or cited for the accident, your insurance policy will likely raise in cost.
  • Damage liability– If you have purchased a collision coverage, your insurance provider will cover the cost of damages to your vehicle however, in collision coverage does not cover damages to the vehicle of the other party involved. Your liability insurance portion of the policy is what covers the other party’s property damages.
  • Accident forgiveness– If you have accident forgiveness as part of your policy, this will allow your insurance rates to stay the same and avoid an increase regardless if you at the at-fault driver.