February 18, 2025 | Car Accidents

What Happens When You Are At Fault for a Car Accident?

Being in a car accident is stressful, but it can be even more overwhelming if you are the one at fault. Whether it was a mistake, a moment of distraction, or bad weather conditions, knowing what to do next is important. If you caused an accident in Atlanta, GA, understanding the legal and financial consequences can help you handle the situation better.

What Should You Do After the Accident?

If you are in an accident and it was your fault, follow these steps:

  • Stay at the Scene: Leaving the accident without stopping can result in serious legal trouble. Always remain at the scene and check for injuries.
  • Call 911: Report the accident to the police, even if it seems minor. An official report can protect you later if there are disputes.
  • Exchange Information: Share your name, contact details, insurance information, and vehicle registration with the other driver.
  • Do Not Admit Fault: Even if you believe you caused the accident, do not say it outright. Let the police and insurance companies determine fault based on evidence.
  • Take Photos and Notes: Document the scene, damage, and any road conditions that may have contributed to the accident.

If you take these steps, your liability for the accident may be reduced or eliminated altogether.

How Is Fault Determined?

In Georgia, car accidents follow a comparative fault system. This means that fault can be shared between drivers. However, you can only recover compensation if you share less responsibility for the accident than the other driver. For example, if you are found to be 20% and the other driver is 80% responsible, you may still have to pay damages, but the percentage of fault will impact compensation.

Insurance companies and courts look at police reports, witness statements, and traffic laws to decide who is at fault. If there is clear evidence that you caused the crash—such as running a red light or rear-ending another car—you will likely be held responsible.

Will Your Insurance Cover the Damages?

If you are found at fault for the accident, your liability insurance will typically cover:

  • Property Damage: Repairs to the other driver’s vehicle or any public property damaged in the accident.
  • Medical Expenses: If the other driver or their passengers were injured, your insurance may cover their medical bills.
  • Legal Costs: If the other driver sues you, your insurance may help with legal expenses.

However, your own medical bills and vehicle repairs may not be covered unless you have collision coverage or personal injury protection (PIP).

Will Your Insurance Rates Increase?

Yes, being at fault for an accident can lead to higher insurance premiums. Insurance companies may see you as a higher risk, which can raise your rates. The exact increase depends on factors like:

  • Your driving record
  • The severity of the accident
  • Whether this is your first accident or a repeat offense

If you have accident forgiveness with your insurance provider, your rates may not go up after your first accident.

Can You Be Sued for the Accident?

If the other driver suffered injuries or major property damage, they might file a lawsuit against you. In Georgia, injured drivers can seek compensation for medical bills, lost wages, and pain and suffering. If you are found legally responsible, you may have to pay damages beyond what your insurance covers.

What If You Were Driving Without Insurance?

Driving without insurance is illegal in Georgia. If you are at fault in an accident and don’t have coverage, you may have to pay for all your damages. You could also face fines, license suspension, and even legal action from the other driver.

How to Protect Yourself After an At-Fault Accident

If you are found at fault for a car accident, taking the right steps afterward can help protect your legal and financial well-being. Here are some important actions to take to minimize the impact of the accident:

  • Contact Your Insurance Company: Report the accident as soon as possible to start the claims process.
  • Follow All Legal Requirements: Make sure you cooperate with law enforcement and provide necessary information.
  • Consider Speaking With a Personal Injury Attorney: If the accident was serious, consulting with an attorney can help protect your rights and finances.
  • Drive Cautiously in the Future: Avoid distractions, obey traffic laws, and take defensive driving courses to lower your risk of future accidents.

By following these steps, you can take control of the situation and reduce the long-term effects of being at fault in a car accident.

If you suffered serious injuries after a car crash in Atlanta, Georgia we are here for you. If you’d like to schedule a free case consultation with an experienced Atlanta personal injury attorney from Goldstein Hayes & Lina, LLC, please don’t hesitate to call (404) 869-8600, or you can visit our office:

Goldstein Hayes & Lina Accident Lawyers
3060 Peachtree Rd NW UNIT 1000,
Atlanta, GA 30305
(404) 869-8600