Understanding At-Fault Auto Insurance


Understanding At Fault Automobile Insurance


If you are found to be at fault for an auto accident, your insurance coverage should pay for the other parties involved to have their vehicles or property replaced and repaired. Your insurance may also cover an injured person’s medical expenses.

If you are found to be at fault for an auto accident and you do not have collision insurance, it is unlikely your insurance will cover the costs to repair your vehicle. Carrying collision insurance should protect you and your vehicle. Collision insurance is sometimes referred to as Full-Coverage. Full-coverage insurance is usually required of you lease a vehicle or are making payments to a bank on a loan you took out for the vehicle. Your lender wants to protect the value of the car in the event you are found at fault for an accident. That is why they require you to carry the collisions insurance in addition to the liability insurance mandated by Colorado state law.

Collision insurance covers your vehicle and expenses while liability insurance covers the expenses of the person you were in the accident with. In Colorado you are required to carry a >minimum amount of liability insurance by law. This insurance kicks in when you are found to be at fault for an auto accident.


No-fault insurance insures that your insurance company will pay a claim for your vehicle’s damage no matter who is to blame. If the person you hit also carries no fault insurance, their insurance company will cover the damage to their vehicle, even it you are found to be responsible for the accident.


So what if both drivers were found to be at fault? This is usually called a 50/50 accident. Here an investigation determines that both you and the other driver were found equally responsible for the accident. In a 50/50 accident, your insurance company pays for your damages, while the other driver’s insurance company pays for theirs.  In a 50/50 accident it is your collision insurance that covers the cost of your repairs. If you do not carry collisions insurance, chances are your insurance company will not pay to fix your vehicle (even if you were just 50% at fault).

If you are not sure about the insurance coverage you have and what exactly you are covered for, request an updated copy of your insurance policy and discuss it with your insurance agent. In most states the minimum amount of required liability coverage is not enough to cover all of your expenses, especially if you are involved in a serious accident.

If you have been in a car accident and believe the insurance company is not paying what they have promised to pay in your policy, or according to what your agent has told you, contact a Colorado auto accident attorney at our firm.

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