In the chaos and confusion caused by car accidents, most people are not thinking about which party is responsible or their insurance. There are, however, a few key things to remember when it comes to liability. It is always best to have a reputable car accident attorney that you can consult with if you have any questions about one of these events in Sedalia, MO.
What Not to Say
You should take a number of steps while you are still on the scene. But, you want to avoid doing or saying the wrong things or things that will make you seem responsible. Do not admit fault by making statements like "I am sorry" or "I didn't even see you there". You shouldn't try to withhold information that's necessary, but you do want to be mindful of your words. If you are in possession of adequate coverage, you will receive defense from the insurer you've bound your policy with, including property damages and personal injuries.
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.
If You Do Not Have Any Automobile Insurance
If you are responsible for an auto accident and lacked any coverage whatsoever, you are in violation of state law. This means that you will be held personally liable for all injuries incurred by passengers and other drivers, as well as for all property damages and damages to all vehicles in this event. Find out what your options are by talking with a car accident attorney right away.
What Not to Say
You should take a number of steps while you are still on the scene. But, you want to avoid doing or saying the wrong things or things that will make you seem responsible. Do not admit fault by making statements like "I am sorry" or "I didn't even see you there". You shouldn't try to withhold information that's necessary, but you do want to be mindful of your words. If you are in possession of adequate coverage, you will receive defense from the insurer you've bound your policy with, including property damages and personal injuries.
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.
If You Do Not Have Any Automobile Insurance
If you are responsible for an auto accident and lacked any coverage whatsoever, you are in violation of state law. This means that you will be held personally liable for all injuries incurred by passengers and other drivers, as well as for all property damages and damages to all vehicles in this event. Find out what your options are by talking with a car accident attorney right away.
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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