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After an Accident guides
Accidents in a rental car: whose insurance paysHow your auto policy, a credit card benefit and the rental company's waiver split the bill after a rental car crash, and the fees that slip through.Accidents while driving someone else's carWhy the owner's insurance usually pays first when you crash a borrowed car, when your own policy steps in, and the exclusions that can leave no coverage.What to do after an accident with an uninsured driverSteps to take at the scene, which of your own coverages pay for your car and injuries, and your options for collecting from a driver with no insurance.Comparative vs contributory negligenceHow states split blame for a crash, from contributory negligence to pure and modified comparative fault, with a state-by-state list and worked examples.Dash cams and car insuranceHow dash cam video settles fault and exposes staged crashes, why it rarely cuts your premium, where you can mount one, and how to save footage.Do you need a police report after a car accident?When state law requires you to call police or file a crash report, why a report helps your insurance claim even when optional, and how to fix errors.Do you pay a deductible if the accident was not your fault?No deductible if the other driver's insurer pays; you pay it upfront if you use your own collision coverage, then get it back through subrogation.What information to exchange after an accidentWhat to collect from every driver, owner and witness after a crash, what state law requires you to share, and what to do if a driver won't cooperate.How fault is determined in a car accidentHow adjusters assign fault using traffic laws and evidence, how shared-fault rules change what you collect, and how to dispute a fault decision.No-fault vs at-fault statesHow no-fault and at-fault systems differ, which states use each, the lawsuit thresholds in no-fault states, and what it means for your claim.Scams that target drivers after an accidentThe scams that follow a crash, from tow trucks you did not call to runners, clinic referrals, fake adjusters and buried deductibles, and how to avoid each one.Subrogation explained: how your insurer recovers your deductibleHow your insurer pays your claim, then pursues the at-fault driver to recover its money and your deductible, and what you must do to protect that recovery.What to do after a car accidentA step-by-step plan for the scene, the first day and the following weeks after a crash, so you stay safe, meet legal duties and protect your claim.