When you have been involved in a car accident, whether it is a minor fender bender or one that completely writes your car off, it is very easy to get flustered and anxious. Many people find themselves apologizing, even if the accident was not their fault. It is human nature for many people to say ‘sorry’ and blame themselves.
Whatever you do, NEVER admit to being at fault in a car accident, even if you believe it could be. Here is why:
Your auto insurance will not pay out
Insurance companies are never on your side, even though you pay them. If you are in an accident, the insurance companies will take a very long time to find a way to reject a claim for payout. If you admit fault to the other parties involved in the crash or while speaking to anyone from the insurance company, they will use that to their advantage, using your own words against you and denying your compensation.
After an accident, your insurers will ask you lots of questions and if you do not have the help and support from a reputable accident attorney, you may be confused as to which ones are okay to answer and how, and which ones to avoid. As a general rule of thumb, provide them with only the most basic and factual information such as your full name and where you live. However, do not answer questions based on the following:
- What was the cause of the accident?
- What were you doing at the time of the accident?
- Who you believe is responsible for the accident.
Insurers are clever and experienced at getting the information they want out of clients. Rather than getting yourself tied up in knots and saying something that could be used against you, direct their questions to your accident attorney.
The accident should be investigated
Very rarely are auto accidents straightforward and involve just one factor. Therefore it is important that if there is even the smallest amount of doubt as to who is at fault, it is investigated thoroughly. If you admit fault, the investigation will be closed and the root cause will never be discovered. This is important even if you think you are at fault – it could be that your brakes were defective and the overall fault lies with your car manufacturer or garage. Perhaps the other driver was under the influence of alcohol or narcotics, which would go unnoticed if you admit fault. By saying sorry and that you are to blame, you could end up taking full financial responsibility for something that was not necessarily your fault. You could potentially have to pay out for damages to the other party, and that can be extremely costly.
Your accident attorney will be able to help to conduct a thorough investigation into what caused the accident, along with the police if required.
The key thing to takeaway is that whatever happened, whatever seemed to cause the accident, even if you think it is something that you did, or didn’t, do – no one admits fault in a car accident.