Got into an accident? How is the fault determined in such a case?

car insurance after an accident

Insurance companies must determine who was at fault after any car accident . Most times, it is easy to tell who is at fault especially in cases which involve a drunk driver in the accident. In other cases, determining fault may not be very clear. Auto insurance companies must collect evidence to determine the party at fault. They check the situation by evaluating property damage, injuries, police reports, etc.

The process involved

If the fault of an accident is not clear, there’s a lot that goes into determining faults. Both parties in the accident must provide a side of their own story about how the accident. Witness statements can also give relevant information to help with the final outcome. The statements along with physical evidence is key in determining the at fault party.
 
Once you file your claim your insurance provider determines how the accident occurred. Then they determine which of the parties contributed to the actual cause of the accident. One or both companies will then set a settlement amount. The provided amount covers the cost of the repairs for damages and injuries.
 
There are cases when more than one party is at fault in an accident. In such situations there is share among the insurance carriers. It could be equal or not depending on which of the parties is at fault. Your insurance provider needs to agree to cover the cost of damages if you are the cause of the accident.

What if the fault is unclear?

It may be difficult to determine the fault of the car accident if neither of the drivers admits to being at fault. Insurance companies depend on different report to determine fault when receiving contrading statements. Police reports or installed traffic cameras are very helpful tools in determining fault . Eyewitness testimony can help police or insurance company with their investigations. They also could help determine how the accident happened and who could be at fault.
 
Interviewing many eyewitness can help find out which driver is telling the truth. It is very important you get the eyewitness’ contact information. This is could be crucial if an insurance company requires their statement in the future.
 
Eyewitness plays a major role in auto accidents. If the fault is still not clear after talking to a few of them insurance providers resort to other methods. Methods such as viewing video clips or camera footage from the camera close by. Pictures of the car accident can help as well.  Seeking help from the police also goes a long way in determining the fault of the accident. Police officers have experience in investigating car accidents. Police officers usually will conduct an investigation of the accident scene. Based on injuries, skid marks, and damages they may be able to determine who is at fault.

Fault and no-fault states

This is a major factor considered in helping insurance companies determine who is at fault. If you live in a no-fault state, your insurance company will cover all expenses. This includes damages to your car and injuries regardless of who is at fault. In other words, who is at fault in an accident doesn’t matter.  If you live in an at-fault state, your insurance company will provide coverage based on who is at fault. The driver who is at fault bears payment for injuries and car repairs of the other party. With this, we hope you see how important it is to have car insurance of your own. There are several cheap car insurance coverages to choose from or you can opt for premium coverage. Most insurance providers are able to settle claims without the need for lawyers. If you feel your claim was not handled in a fair manner you can hire a car accident lawyer to help protect your rights.

 

Car Insurance Advisor content is not written by a licensed  insurance agent. It’s intended for informational purposes and should not be considered legal or financial advice. Consult a professional to learn what financial products are right for your situation

Top 5 Things You Must Know Before You Buy A Rebuilt Title Car

Rebuilt Title

Are you looking to buy a car but on a tight budget? Have you been considering buying a rebuilt title car? Are you prepared for hidden damages that might be waiting for you to discover? The most obvious reason why people consider buying a rebuilt title is how relatively cheap it is compared to brand new or used cars.

Cars with rebuilt titles have once been extremely damaged that repairing it will cost more than what the car is worth. Many factors will deem a car a total loss. Other than a car crash, countless cars are salvaged due to flooding, hurricane damage, theft, and even vandalism.

A lot of drivers would be hesitant about purchasing a rebuilt title car, who won’t be right? I for one would not be too keen on buying a rebuilt title car. But just because it was salvaged, doesn’t mean that it’s a total lemon. All you need to do to boost your confidence when you buy a rebuilt title car is to be equipped with the right knowledge. Below are the five things you need to consider before buying a rebuilt title car. 

  1. The Car’s History

Before investing your time and money in buying a car with a rebuilt title, you need to get more information about it first. Getting the vehicle identification number (VIN) to gather the car’s history report is a good way to start. In this manner, the mechanic that will inspect the rebuilt title car will have an easier time making sure that the car is in a drivable condition.

  1. The Repairs

Aside from knowing the car’s history, you should also look into a complete list of repairs done to the car. This can help the mechanic focus on the areas to inspect. A full inspection of a rebuilt title car will help determine whether or not the car may need additional maintenance. This is essential because you might be spending more on future repairs compared to what you paid for the rebuilt title car.   

  1. Did The Car Passed The DMV Inspection

Before you enjoy your rebuilt title car on the road, make sure that it passed the DMV Inspection. One way to make sure that you get the DMV’s approval is to have the unit checked by a trusted mechanic. Several reliable mechanics will examine the car and determine how well the car has been repaired and how safe it is to drive. This is one of the crucial parts to pass the DMV’s inspection. You won’t be able to legally drive your rebuilt title car without the DMV’s approval. Each state has different requirements so don’t forget to research this in your state.

  1. The Damage It Has Incurred

Knowing the reason why it was salvaged and how it got its title, will give you confidence when you buy a rebuilt title car. Some cars are salvaged due to theft or vandalism and some are as heavy as being damaged by a flood or hurricane. You have to be careful in choosing a rebuilt title car especially if you’re looking to buy in a state where there have been flooding or any other natural phenomena.

  1. The Coverage You Can Get

Although it will be cheaper to buy a car with a rebuilt title, you’re going to have to settle on limited coverage. Most online car insurance providers will not offer coverage for cars with rebuilt titles but there are some insurance providers like Geico and Allstate, that may write policies for it but only up to liability coverage.

Just like buying any other necessities, it’s best to shop around first before settling in on an insurance provider. One of the best and most convenient ways to save on coverage is to look for cheap car insurance online.

 

There are countless risks to be considered when buying a car with a rebuilt title. Although you might be saving a lot of money, without proper knowledge of the car and full inspection from your trusted mechanic, you might be in for a shock.

When you’ve considered everything and have done proper research, don’t forget to have your car covered. There are insurance providers that will offer you cheap car insurance online, all you need to do is explore.

Car Insurance Advisor content is not written by a licensed  insurance agent. It’s intended for informational purposes and should not be considered legal or financial advice. Consult a professional to learn what financial products are right for your situation

What is a Rebuilt Title Car and how will it impact my insurance price?

What is a Rebuilt Title Car?

 If you’re planning to buy a car with a rebuilt title or you already own one, then there are a few things that you need to take note of before enjoying a leisurely cruise down the highway. A rebuilt title car is a car that has been previously totaled and is now sufficiently restored to a drivable condition. The car may be far from its original quality and state, but it has been given a thumbs up from the DMV. This kind of car has repair costs more than 75% of the pre-damage retail value. One prime example is a car that has been damaged by a natural phenomenon like a flood or a hurricane. Cars that have gone through damage by natural phenomena will have lasting issues that will be considered less safe to drive.

Can I get cheap car insurance online for a car with a rebuilt title?

One of the most reliable ways to find out if you’ll be able to get insurance coverage for your car with a rebuilt title is to ask around. Although you’re left with a few choices, there are still insurance providers that will offer coverage for cars with rebuilt titles such as Geico, Allstate, and State Farm. These are the best insurance providers that will help get your car covered and give you peace of mind while you’re on the road. Take note that because the car already has a rebuilt title, you won’t be able to get comprehensive coverage, instead, it will most likely just be the basic coverage required by your state or limited coverage.

What are the things needed to consider with a rebuilt title car?

The first thing on your list is to get a vehicle history report, this way you’re able to have an idea of the car’s history. To this extent, it is getting a good grasp of the car’s past – who the previous owner is, any work done on the vehicle, and what had happened that made the vehicle considered totaled.  For you to get a vehicle history report, you need to secure the car’s VIN or vehicle identification number which is found on the car’s registration card or the lower left side of your car’s windshield.

Next is to have it thoroughly checked by your mechanic to help you figure out any issues on the vehicle and whether or not if it’s safe to be driven down the road. The last thing that you need is to give your car some coverage. Although you’re left with a few options, there are still insurance providers that can give you cheap car insurance online.

 

What are the different coverages I can get for a car with a rebuilt title?

Getting comprehensive coverage for a rebuilt car is next to impossible, but this doesn’t mean that you won’t be able to get good coverage to be able to legally drive in your state. There are good online car insurance providers that will help you get your car covered. The most likely insurance coverage you’ll have is a Liability Coverage. A Liability Coverage includes two coverages – a third person liability coverage and a property damage liability coverage.

To put it simply, liability coverage pays the person/s you are liable to in case of a vehicular accident.

 

How much does an insurance coverage cost for cars with rebuilt titles?

Due to the car’s past, you have to pay a higher premium to get your rebuilt title car decent online car insurance. This is because there are not as many insurance providers offering coverages to cars with rebuilt titles. The lesser the competition, the higher the rate becomes.

Key Take-Away

Bottom line is, even if a car has a rebuilt title, it doesn’t mean that it’s the end of the road for it. You can still legally drive the car on the road granting that it underwent proper inspection and got a thumbs-up from DMV. Getting your rebuilt title car insured might be more expensive this is because there are only a few insurance providers willing to have your car covered.

Car Insurance Advisor content is not written by a licensed  insurance agent. It’s intended for informational purposes and should not be considered legal or financial advice. Consult a professional to learn what financial products are right for your situation