How Does Car Insurance Work When You are at Fault?

Were You Involved in a Car Accident? Wondering, “How Does Car Insurance Work When You are at Fault?”

If you’ve recently been involved in a car accident, then you probably have a lot of stress and a lot of questions about the accident. If you were at fault for the accident, then you’re probably wondering, “how does car insurance work when you are at fault?” Maybe you’ve never been involved in a car accident before, or maybe you’ve never been the cause of a car accident. Either way, you deserve some piece of mind. So let’s answer that very stressful question that has been picking at your brain:

“How does car insurance work when you are at fault?”

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First Things First: You May Not Actually Be at Fault!

It’s one thing to assume that you were at fault for the car accident, but it’s another to actually be deemed the at-fault-party from a legal standpoint. In order to be considered at fault for a car accident, you must first live in a “fault state”. In a fault state, the driver who has been deemed the at-fault-party is responsible for the damages of all the other drivers involved in the accident. Most states in the US are fault states. However, you’ll want to check to see if you live in a fault state or a no-fault state.

If you do live in a fault state, then the insurance companies of each driver involved in the accident will determine which driver was at fault. If you have been informed by your insurance company that you were at fault for the car accident, then you will be deemed the responsible party.

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If You are at Fault, then Your Car Insurance Company is Responsible for Compensation

If you are deemed to be at fault for the accident, then your car insurance company will be responsible for paying for all or some of the damages to the other driver’s vehicle. After your insurance company has paid for the damages, your insurance premiums will go up as a result of the accident. Your unique insurance plan and carrier will determine how much your premium will be raised, but most insurance policies raise monthly premiums immediately following a car accident. Your insurance policy and carrier will also determine how long the increase will be in effect. You’ll want to speak with your insurance company to find out how long your insurance premiums will be raised as a result of your car accident.

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Still wondering, “How Does Car Insurance Work When You are at Fault?” 

If you’re still wondering, “how does car insurance work when you are at fault,” then we are here to help! It’s only natural to have questions after you’ve been involved in a car accident. If you still have questions about this concept, then we’re here to help. The Insurance Stops is a trusted car insurance company in COS. We’re happy to answer the question, “how does car insurance work when you are at fault” as well as any other car insurance questions you may be asking yourself. 

Get in touch with us today!

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Mireya V.
Muy atentos con su servicio y siempre ayudando.
Jorge Olivas (Elver G.
Valeria was super helpful! I didn’t get the quote on the phone but decided I will certainly get this quote I was offered. Good pricing; she was not only knowledgeable, but also proficient and professional!
Sardar G.
Thank you Will for providing me insurance with a single phone call. It is hard to find people that know what they are doing even if they are specialized in a certain trade, but you are a one sharp man and had answers to every question. You really know Insurance. Looking forward to do more business with you.
Marshall S.
Evelyn was extremely pleasant and worked to get me a good policy for nearly half the price of other companies. Hands down the best place in the springs
Diana V.
Evelyn was very helpful and polite. She gave me the best quote. I really recommend it!
beth G.
The best experience I've had purchasing, the dreaded, insurance.Will Jones was informative, engaging, and just fantastic at assisting me.I will definitely continue to bring my business to Insurance Stops and Will.Thank you so much, Will, you ROCK.
Beth G.
One of the best experiences purchasing insurance I have had.Will Jones was informative, understanding and just an awesome person.Thank you, Will!
Maximilian R.
Friendly Fast and Curtious. I have more than a one vehicle and they set me up a nice plan that insures all my vehicles at about the same cost as one. Been 2 years in a row with this company.
Response from the owner: Maximillian,Thank you for your review and for sticking with us for 2 years! So glad we can help!
Jaymen J.
I've been getting insurance for 10+ years. I get both my vehicle and motorcycle insurance through them They've always helped me find the options for the lowest rates and Will over there is an expert at finding the simple solutions. I've never had to file a claim 🤞 but I feel confident that the office has my back. Always good customer service would recommend 👍
Response from the owner: Jaymen,Your 5 star review is very much appreciated! Your kind words are much appreciated. We appreciate your business and Thank you for everything.-Brian
Tony T.
Man these guys are amazing..don and will always help me and take care of my insurance needs...you can not go wrong with these guys.. will never leave them..5 star staff and owner...
Response from the owner: TonyYou are the best customer an Insurance Agent could ask for!Thanks for the 5 star review. Lorri will be thrilled beyond herwildest dreams to have received this great review!Thank youBrianAgency Owner
Dale Edward I.
Great service nice people
Response from the owner: DaleThank you for your kind words!We appreciate you taking the time to post your positive experience.Brian
Didaraly J.
Unbeatable prices! As a foreigner, I am always quoted a lot of money with my European driving license. Usually around $700-1,000 for 6mths of basic coverage. With them, I got covered for more than the basics for a little over $500 for 6mths in less than a day! Highly recommend it if you're a foreigner or if you're concerned about savings.
Response from the owner: Didaraly, Thank you so much for your review, we are glad we can deliver this kind of service for you!
Callista T.
Always friendly and always give me the best deal!!!
Response from the owner: Callista, thank you for taking the time to give us this very kind review. We appreciate it very much and hope we can continue to offer you the best deals!
Joanna H.
I sent the link to the company's website to a friend who's insurance had recently lapsed. According to his experience, the website was easy to use, it gathered his information, and an agent called him back with a quote so he was insured that same day.
Response from the owner: Joanna'Thank you for your nice compliment.BrianOwner
Lacey G.
Always professional and friendly. Quick quotes and have used them for years.
Response from the owner: LaceyThank you for your kind words and staying with us for years!BrianOwner
Cristal O.
Great customer service. I love how Lourdes, Evelyn and Diana treated me. And they get you good policies.
Charley S.
Alan was very helpful and helped me get what I needed right away.
Response from the owner: CharleyThank you for taking the time to post your positive experience.We appreciate it.Brian
giselle V.
Called in to make my dads payment and Angie answered the phone kindly. She went out of her way to look up my dad and was helped quick and efficiently despite the fact that they were super busy! She was very patient with me and made it easier. Thank you Angie
Response from the owner: GiselleI will certainly let Angie know and Thank you for letting me know.Brian
Derek K.
When you call, ask for don.
Response from the owner: DerekDon certainly appreciate your 5 star review and your referrals!Brian
Angie M.
I've always use All stop. They get me lowest rate, Same day.:)

Wednesday, December 20 Notice

Offices will close at 1:00pm Wednesday, December 20th so that our staff can gather together at our annual holiday party.  All offices will re-open on Thursday at 9am.