Personal Injury

The Insurance Company Says I Am At Fault For The Car Accident: What Do I Do Now?

Over six million car accidents occur on U.S. roadways each year. While no one wishes to be involved in an accident out on the road, it will be a reality that most drivers will have to experience at some point in their life. If you were in an accident and experienced an injury, it is only natural to seek compensation for any damages sustained. But what do you do if your insurance company claims you caused the accident? Read on to learn how to pursue a personal injury claim when your insurance company claims you were at fault for the car accident.

Steps to Take After The Accident

Being involved in any type of accident can be scary. It can be even scarier if you think you may be at fault for causing the accident. At hard as it might be, it is essential to remain calm and act immediately. If you are ever involved in an accident out on the road, stay on the scene and take the following steps.

1. Never Leave the Scene of the Accident

After the accident has occurred, remain calm and stay on the scene until authorities are notified. It is always best to stop and check for injuries in both your vehicle and other vehicles involved in any type of accident. If there are any serious injuries, call 911 immediately.

2. Exchange Information with Others

After checking for injuries, exchange information with any drivers involved in the accident. It is in your best interest to try to get the name, phone number, insurance carrier, and insurance policy number of any other driver involved in the accident.

3. Report the Accident to Police

Always report the accident to the police, no matter who you believe is at fault for the accident. Do not leave the scene of the accident until the police arrive.

4. Document the Accident as Much as Possible

While waiting for the police to arrive, document the scene of the accident as much as possible. Take as many photos of the scene as you can. Be sure to get photos of your car and any other car involved in the accident as well.

5. Contact Your Insurance Company

After speaking to the police and seeking proper medical attention following the accident, you will need to report the accident directly to your insurance company. While the insurance company may deem you at fault for the accident, you still need to report the accident to them.

Deciding Who’s to Blame for a Car Accident

Determining who is to blame for a car accident is never a clear-cut process. The environment can undoubtedly be heated directly after an accident, and accusations can start flying from all parties involved. If none of the drivers involved in the accident take responsibility for the accident, the fault will be determined through a different method.

1. The Police Report Decides Fault

After the accident, the police will be on the scene to investigate. Officers will likely talk to those involved and any witnesses as well. All of this information will be recorded in the police report, which can later be used to determine who was at fault for the accident.

2. The Insurance Companies Decide Fault

When drivers involved in the accident file a claim with their insurance company, their insurance will likely seek restitution from the insurance company of the other driver. If the matter can’t be settled between the two insurance companies, the dispute may go to arbitration.

3. Arbitration Decides Fault

Arbitration is often used by insurers to decide the extent of damages and who pays for them. Going through Arbitration helps to reduce the number of lawsuits insurers have to go through, so many large insurance companies utilize this method to determine fault.

4. A Jury Decides Fault

If fault can still not be determined by the other means, the case will go to court, and a jury will decide who is at fault for the accident. However, very few cases make it this far as it is a lengthy and expensive process.

Fault Is Never as Clear as You Think

If you think you were to blame for your car accident or your insurance company claims you were the at-fault driver, you can still file a personal injury claim if you were injured in the accident. Determining fault is never as straightforward as you think it is, and you may be able to prove that you were not the sole party responsible for the accident. In order to move forward with your personal injury claim, you will need the expertise of an experienced accident attorney on your side.

Consult with an Experienced Accident Lawyer Today

Car accidents can be devastating experiences. If you were injured in a car accident, you deserve experienced representation in order to receive the compensation you deserve. Even if you were involved in an at-fault car accident, we might be able to help you pursue a personal injury claim. Contact us today to schedule a free consultation to discuss your case.


Helping those Injured in Accidents Across Illinois

Through the years Jason has served as an advocate for numerous clients in matters before various Circuit Courts in Illinois and Missouri as well as before the Missouri Court of Appeals. He represents clients in various areas of law including personal injury, automobile accidents, workers' compensation, criminal defense, DUI/DWI defense, and traffic cases.. Jason is licensed in Illinois, Missouri, and Florida.

We are here to help the residents of:

Adams Alexander Bond Boone Brown Bureau Calhoun Carroll Cass Champaign Christian Clark Clay Clinton Coles Cook Crawford Cumberland DeKalb DeWitt Douglas DuPage Edgar Edwards Effingham Fayette Ford Franklin Fulton Gallatin Greene Grundy Hamilton Hancock Hardin Henderson Henry Iroquois Jackson Jasper Jefferson Jersey Jo Daviess Johnson Kane Kankakee Kendall Knox Lake LaSalle Lawrence Lee Livingston Logan Macon Macoupin Madison Marion Marshall Mason Massac McDonough McHenry McLean Menard Mercer Monroe Montgomery Morgan Moultrie Ogle Peoria Perry Piatt Pike Pope Pulaski Putnam Randolph Richland Rock Island Saline Sangamon Schuyler Scott Shelby St. Clair Stark Stephenson Tazewell Union Vermilion Wabash Warren Washington Wayne White Whiteside Will Williamson Winnebago Woodford

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