Determining the fault in a multiple car accident is not always a simple decision. Depending on the events of the accident, the fault could rest solely on a single driver, or may be split between two or more drivers. The key factor is something called contributory negligence, which establishes that the series of events was possible because multiple parties were in proper control of their vehicle.
In states which use no-fault insurance, a multiple car accident is settled by each personâ€™s insurance company, and the companies involved work out payments and division of responsibility. In tort states, each insurance company is competing against other insurance companies to reduce their costs, and may haggle on the amount of blame each driver has. This is called comparative negligence, and allows the blame to be split between drivers according to the level of negligence assigned. For instance, one driver might be 65% liable while a second driver is only responsible for 35% of the damages.
Personal injury and property damage liability insurance cover the injuries suffered by damage that you cause. If you are one of the drivers who was found partially at fault, this is the type of insurance coverage you need, which is a common minimum requirement in most states. Even though the state minimum usually includes property damage and personal injury liability insurance, make sure that your policy includes enough coverage to handle your needs. State minimums are the bare minimum and may not provide enough protection in case of an expensive accident.
To find the insurance company which gives you the best rates or the highest amount of coverage for your premium dollar, use online insurance quotes. This allows you to compare the same policy through multiple companies all from a single web page. Online insurance quotes are available 24 hours a day, 365 days a year, allowing you to shop for your insurance when it suits you, not when the office is open.