What Happens When You’re At-Fault In a Car Accident

There are times in every person’s life when they feel that the universe has turned against them. Catastrophic events occur and we suddenly feel like it is the end of our world. Many disasters can be thrown at us in our lifetime, losing our livelihoods, enduring the pain and suffering of an illness, the tragic unexpected death of a loved one or causing unimaginable pain and distress to ourselves and others due to our actions.

When we find ourselves in these horrific situations, we feel like the whole planet has come crashing down on us. We endure feelings of extreme anxiety, uncontrollable guilt and are filled with feelings of regret, wishing we could turn back the clock and change the events that have taken place and ruined our lives. However, we know that traveling back into time is simply impossible, so what do we do? We try to cope with the disastrous effects of the situation that we have found ourselves caught up in, as best as we possibly can.

The Emotional Effects

what happens when you are at fault for a car accident

Being involved in a terrible road accident, will be one of the most stressful and upsetting times a person can have in their lifetime. It results in losing confidence on the road, leaves lasting psychological scars and if severe, will also leave you with future physical health issues too. 

If you are not the driver at fault, the pain and anxiety of enduring a car accident can be enough to shake you up and force you in distrusting other drivers for the remainder of your life. However, for those who are the drivers at fault, it is not just the pain that they will have to suffer, it could hit them hard emotionally and financially.

The driver at fault can find themselves in a state of depression, punishing and blaming themselves for the outcome of the terrible accident. They could be overwhelmed with the guilt from causing a car accident, that they find it excruciatingly difficult to move on with their lives. They could be left with emotional trauma for a very long time. It can cause them severe psychological issues, have a huge impact on their sleep, work life and they may even feel that they can never get behind the wheel again.

The Financial Consequences

how much does a car accident cost

It is not only the damaging mental effects they will suffer but could also be the financial side of the repercussions too. Being the driver responsible makes you the person who is liable for the damages of any person injured in the collision. If you are the driver that is at fault, then the other party involved is within their power to file a claim with your insurance provider.

You will also have the stress of dealing with the damages of your own vehicle. As long as your policy covers collision damage, the insurance should cover the cost. Bear in mind, you will still need to cover the deductible. 

The costs incurred due to the accident could be crippling. You could be facing charges for any damage the vehicle sustained in the traffic collision, any medical bills the injured party has incurred or any medication they require due to the accident. Which really can add up.

If the injured party has sustained serious injuries and they unfortunately find that they cannot carry out any work, then you could also be liable to pay any monies lost due to the car accident. Covering any loss of earnings the other driver has suffered, there could also be the added cost due to the results of the pain and suffering the driver has had to endure.

In most circumstances, you should not have to pay these costs personally from your own wallet. The only reason this may hit your own finances hard, is if you exceed the insurance policy limit. 

issues with car accidents

Taking Legal Action

If for instance the other driver is not satisfied with the cash amount your insurance policy is willing to pay out, then they could decide to escalate the matter and take legal action against you, you then may be responsible for any additional costs. In this case, it will be in your best interests to seek out legal advice from a specialist in the car collision field. Legal proceedings are known to be evident in severe cases, such as if the other party has suffered critical injuries or if unfortunately somebody has lost their life.

A car accident can be devastating on so many levels. We cannot predict what the future holds and may not have the power to change the outcome of difficult situations in life. However, we can adopt a sensible approach to driving, to keep ourselves and others as safe as possible. Drive safely!

Susan Harris

By Susan Harris

Susan Harris is the owner of Rooted Mama Health. She is the mother to two amazing children and wife of a loving husband. She strives to provide the world with all the information they need to live a happy and health lifestyle.