In the confusion of an accident, you aren't immediately thinking about your insurance or who's responsible. However, there are a few things you should keep in mind regarding your liability. It's a good idea to have a good Car Accident Attorney in mind in case you have questions about your accident in Sedalia MO.
Things You Shouldn't Say
There are a variety of things you should do at the scene of an accident. However, try to remember not to do the wrong thing, especially if it looks like you're responsible. Don't admit that you were at fault by saying things like "I didn't even know you were there, " or "I'm sorry." That doesn't mean you should withhold necessary information, but you should watch what you say. If you have enough insurance, your insurance company defends any claim made against you, including personal injury and property damage.
No-Fault States
If you happen to reside in a state with no-fault laws (there are several states like this but Missouri isn't one), there's not a lot to worry about for minor accident events. If you have caused a major accident, however, you might face a personal injury or liability lawsuit. In these cases, you should find out what your next steps are from a car accident attorney.
Sufficient Automobile Coverage
If you have enough car insurance coverage to cover all losses from the accident, your insurance company will defend all claims made against you. Unfortunately, your premium will probably go up, especially if you were at fault.
When You Don't Have Any Insurance At All
If you are at fault for a car accident and didn't have insurance at the time of the accident, you were also violating your state's laws. Unfortunately, you will probably be personally liable for any injuries to other drivers and passengers, as well as any property damage to any other vehicles involved in the accident. Consult with a Car Accident Attorney immediately to explore your options.
Things You Shouldn't Say
There are a variety of things you should do at the scene of an accident. However, try to remember not to do the wrong thing, especially if it looks like you're responsible. Don't admit that you were at fault by saying things like "I didn't even know you were there, " or "I'm sorry." That doesn't mean you should withhold necessary information, but you should watch what you say. If you have enough insurance, your insurance company defends any claim made against you, including personal injury and property damage.
No-Fault States
If you happen to reside in a state with no-fault laws (there are several states like this but Missouri isn't one), there's not a lot to worry about for minor accident events. If you have caused a major accident, however, you might face a personal injury or liability lawsuit. In these cases, you should find out what your next steps are from a car accident attorney.
Sufficient Automobile Coverage
If you have enough car insurance coverage to cover all losses from the accident, your insurance company will defend all claims made against you. Unfortunately, your premium will probably go up, especially if you were at fault.
When You Don't Have Any Insurance At All
If you are at fault for a car accident and didn't have insurance at the time of the accident, you were also violating your state's laws. Unfortunately, you will probably be personally liable for any injuries to other drivers and passengers, as well as any property damage to any other vehicles involved in the accident. Consult with a Car Accident Attorney immediately to explore your options.
About the Author:
You can get excellent tips on how to choose a car accident attorney Sedalia MO area and more information about an experienced lawyer at http://www.rickkoenig.net now.
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