Install
After an Accident terms
What to do in the first hours and days.
At-fault accidentA crash in which you are found mainly responsible, which your liability coverage pays for and which usually raises your premium at renewal.Comparative negligenceA fault rule that reduces an injured person's recovery by their own share of blame for a crash, instead of barring recovery entirely.Hit and runA crash in which a driver leaves without stopping to share information or help, which is a crime and leaves victims relying on their own coverage.NegligenceFailing to use the care a reasonable person would use, causing harm to someone else; the legal basis for most car accident claims.Primary insuranceThe policy that must pay first when more than one could cover the same loss; other policies pay only after its limits are used up.SubrogationAn insurer's right, after paying your claim, to recover that money from the party who caused the loss, often getting your deductible back too.