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A huge of car insurance is all about understanding liability and negligence — and how negligent collisions can affect your insurance coverage.
When you figure in an accident, your insurance company will determine who is liable for the accident. This will determine who should pay for the damage or for the injury incurred during an accident, for example. Liability is based on a number of factors but is based according to federal, state, and local lows.
Fault in accident is classified into four basic units: negligence, recklessness, and intentional misconduct.
Negligence happens when a driver fails to take proper measures to protect other people on the road. In driving, there is such a thing called duty of reasonable care. These are the actions you should do in order to prevent accidents and injury on the road — including not exceeding the speed limit, stopping at stop signs, avoiding distractions, and watching the road while driving.
Negligent collisions happen when the driver does not practice duty of reasonable care. This means the driver has been careless on the road, leading to damage or harm.
Therefore, as a driver, you are liable if you have been found to be negligent on the road according to the law.
Intent is not considered in negligent collisions. You may have not intended to hurt anyone during the accident. But if you were found negligent according to the law, you will be liable.
Liability will determine how much you will get from your car insurance (or from the insurance of the other person involved) or how much the insurance will cover in a car accident.
Basically, the coverage of your insurance (or other people’s insurance) will be determined on how negligent you were.
For example, if you figured in an accident with another car, the insurance company — with the help of the police — will determine negligence. If it is determine that you were more negligent than the other driver, then you are more liable for the accident. If this the case, your insurance may not cover the accident and the insurance of the other people may not be legally obligated to cover the damages in your vehicle.
In some cases, how negligent people were in negligent collisions will determine the percentage or amount that will be covered.
Of course, there are cases when two or more drivers are at fault. It can either be classified as a comparative negligence or a contributory negligence.
In a comparative negligence, both parties — who were somewhat at fault — are held responsible for part of the damages from the accident.
Meanwhile, in contributory negligence, one individual is held more liable than the other, so that person will receive reduced amount from the insurance claim, if any.
If you are involved in a negligent collision, it may be best to consult a lawyer for an evaluation (there may be lawyers who could offer free claim evaluation; in fact, may experienced lawyers offer this for free). A lawyer can help you determine if you have been negligent according to the eyes of law.
How can negligent collisions affect how you pay your car insurance. Learn more about their definitions and how these factors interplay at www.carinsurancecompanies.co.
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