Being in an accident is not fun– and having to deal with all the paperwork that comes afterward is even less of a thrill.
But as you get your paperwork in order — you realize you don’t know whose insurance you should call!
Texas is an At-Fault State
Because Texas is an at-fault state, it means that in the case of an auto accident, the driver who is ‘at-fault’ is liable for the accident.
There are a few ways to determine who would be at fault in the event of an accident.
Police
If police are called to the scene, they will be required to file an accident report. An accident report will contain information such as names of both drivers, location of accident, insurance information, and any observations.
Insurance Agencies
If the at-fault driver denies responsibility, the insurance company can review the evidence to determine who is at fault. It is imperative to gather as much information as possible, such as pictures, contact information, and contact information of any witnesses.
Admission of Fault
Saying “sorry” to the other driver in the accident is the simplest way of admitting fault–even if it wasn’t your fault. Admitting anything at the scene of the accident could not work in your favor if the other driver reports your admission.
Call an Attorney
If you are having a hard time determining the fault of an accident, it might be best to call an attorney. Be sure to gather as much information as possible to help your case, including photos, witness information, and insurance and contact information of the other driver.
File a Claim
Once the fault has been determined, it is not time to file a claim. Assuming you are not at fault, and the other driver does have insurance, you will file a claim through the other driver’s insurance. Be sure to call your insurance company first to let them know of the accident.
File your claim on time, as most insurance companies have a timeframe for filing claims after the accident has happened. If you need the assistance of an attorney, be sure to do that before you file a claim, as they can help you negotiate a settlement and much more, if needed.
Payne Insurance Group
Payne Auto Group provides insurance for auto, home, commercial, and much more! Payne Insurance Group has partnered with over 13 businesses across the Rio Grande Valley, As a result, we have created a one-stop-shop for all your automotive needs.
