As a driver, being involved in an accident can be a traumatic experience. Not only do you have to deal with the physical and emotional aftermath of the incident, but you may also be faced with a complicated and confusing insurance claims process. If you are found to be responsible for the accident, it can further add to your stress and anxiety. We want to provide you with a clear understanding of the at-fault accident insurance claim process and how to navigate it successfully.

If you’ve been in an accident that you were fully or partially responsible for, can help connect you with the legal resources you need to minimize the consequences of your claim.

What Is an At-Fault Accident Insurance Claim?

An at-fault accident insurance claim is made to your insurance company when you are found responsible for causing an accident. In these cases, you are considered the liable party, and as a result, you will be responsible for covering the cost of damages incurred by the other party or parties involved in the accident.

How Does the Claims Process Work for At-Fault Accidents?

Once you have notified your insurance company of the accident, they will assign an adjuster to investigate the claim. The adjuster will examine the evidence, including any documentation and witness statements, and make determinations of fault for the accident.

If you are found to be at fault, your insurance company will then handle the settlement process with the other party’s insurance company or the other party directly. The settlement will cover the cost of damages to the other party’s vehicle, medical expenses, lost wages, and any other expenses related to the accident.

How Long Does the Claims Process Take?

The length of the claims process can vary depending on the case’s complexity. However, insurance companies are required to handle claims in a timely manner, and most claims are settled within a few weeks to a few months.

Can You Dispute an At-Fault Accident Claim?

You can dispute the claim if you believe you were not at fault for the accident. You should provide evidence supporting your position, such as witness statements or photographs. Your insurance company will investigate the dispute and determine whether or not to uphold the claim.

What To Expect During the Settlement Process

During the settlement process, your insurance company will work directly with the other party or their insurance company to determine the amount of damages owed. This may involve negotiations and discussions regarding the extent of the damages and the amount of compensation required.

What Are the Consequences of Not Reporting an At-Fault Accident?

Failing to report an at-fault accident can have severe consequences. It can result in legal issues and potentially losing your insurance coverage. To avoid these consequences, you must report any accidents to your insurance company promptly.

What To Do if You Are Involved in an At-Fault Accident

If you are involved in an at-fault accident, it is essential to remain calm and follow the necessary steps. Call emergency services if necessary and exchange information with the other driver, such as contact details and insurance information. It is also essential to document the accident scene by taking photographs, obtaining witness statements, and obtaining a copy of the police report if applicable.

Then, notify your car insurance company of the accident to establish fault and begin the claims process. 

The Bottom Line

Being involved in an at-fault accident can be a stressful experience, but understanding the insurance claims process can help make it less daunting. You can navigate the claims process successfully by following the necessary steps, such as documenting the accident scene and reporting it to your insurance company promptly. Additionally, practicing safe driving habits can help you avoid future at-fault accidents and maintain lower insurance premiums.

If you need help navigating the at-fault accident insurance claim process, contact us at, and we’ll connect you with some valuable resources.

FAQs for At-Fault Accident Insurance Claims

Can an insurance company deny an at-fault accident claim?

Yes, an insurance company may deny an at-fault accident claim. This is especially true if there is evidence that the policyholder was driving recklessly or driving under the influence.

Will my insurance rates increase after an at-fault accident?

Yes, being at fault for an accident can result in an increase in insurance premiums. This is due to the higher risk associated with the policyholder.

Should I hire an attorney for an at-fault accident claim?

Hiring an attorney for an at-fault accident claim is not required, but it may be beneficial. This is especially true if the case is complex or involves significant damages.

Can I file a claim for injuries sustained in an at-fault accident?

Yes. You could claim medical expenses and other damages if you were injured in an at-fault accident. You may actually get compensated for an accident that was partially your fault. However, this depends on your insurance policy and the laws in your state.

How can I improve my driving record after an at-fault accident?

You can improve your driving record by practicing safe driving habits, such as obeying traffic laws and avoiding distractions. Additionally, attending defensive driving courses may help lower insurance premiums and demonstrate a commitment to safe driving practices.