What Does It Mean that California Is a Fault State for Car Insurance?

What Does It Mean that California Is a Fault State for Car Insurance?

In a no-fault state (there are currently 12 in the US), every driver is required to carry insurance that covers his or her own expenses should an accident occur. California is a fault state. What does this mean?

In a fault state, the insurance of the driver who is responsible for the accident pays the expenses. Therefore, if you admit that you ran a red light and hit another car, your insurance will be paying for the other driver’s damages including medical bills, car repair, and even pain and suffering caused by the experience.

When Accident Blame Is Shared in a Fault State

In a fault state, since accidents are paid for by the offending party, what happens if both sides share some blame? The powers that be may decide either on an even split or on another percentage. For example, if the other driver ran a stop sign, but you panicked when you should have been able to get out of the way, they may assign a 70-30 or 80-20 split. In this case, you would recover most of your losses from the other person’s insurance, but your insurance would have to cover the rest.

Why You Need a Car Accident Attorney

In a fault state, proving blame can make a huge difference in the settlement amount with an insurance company. Having a personal injury attorney on your side can help you to maximize your settlement. In southern California, drivers can trust Petrov Law Firm to put our experience to work for you. Call us today at 619.344.0360 to get your case started.