After an at-fault accident, many drivers ask, Can I lose my house due to an at-fault car accident? If you don’t have liability insurance, you might lose more of your assets than your home once you are sued for a car accident. This also depends on how much damage you’ve done to the other party. There are at least daily records of car accidents. 

Sometimes it can be rogue drivers who don’t adhere to the traffic rules, or the car must be fixed. Driving across states, including California, is illegal without car insurance. You must have a liability cover to register your car and acquire your insurance. In this article, we will answer and enlighten some of the questions you need to answer; How much can you expect from a car accident? Can I lose my house due to an at-fault car accident?

Can Liability Coverage Insurance cover Me in a Car Accident?

 When you cause an accident, the victim decides to file a lawsuit against you; it doesn’t matter whether you have liability insurance coverage. Liability insurance will help compensate the victim for all the damages caused by the accident per the policy limits known to the insurance. However, if you cause an accident, you should first review the limits of your insurance coverage to determine how much they can cover. 

 You should wait to notify the insurance. Reviewing your insurance policy will help you determine whether there is enough in your car insurance to compensate for all the damages or you’ll lose everything. “Can i lose my house due to an at-faulty car accident? ” After you review the policy, it will help you know how safe you are; the insurance will cover everything. 

And if it does, your assets, such as your house, are safe, and you can’t lose them. Sometimes the accident can be messy, whereby the victim claims much money from the costs of the damage. There are situations where the insurance can’t be able to cover all the damages; this is where it gets worse because the victim can come for all that you got. 

How Much Can One Expect From A Car Accident?

 This depends on the severity of the accident and the damage costs. After the accident, an inspection is done by the auto insurance company to calculate the damage costs. Once the inspection is done and they’ve concluded with your lawyer, they can write you a settlement check. However, insurance companies are here to make profits and not lose. Sometimes they look for a way to pay you less than the initial damage costs.

 Claiming to be compensated also varies with the condition of the accident. That is why you need an accident lawyer to help you get the right compensation you deserve without being dubbed.  The car accident lawyers can stand up to the auto insurance company and ensure you are paid all your dues. After an at-fault accident, these are some of the common damage you can claim.

Pain and suffering.

 This claim is hard to calculate since it’s for makeup rather than for financial losses. The amount you should ask after a car accident should depend on how severe the injuries are and how they affect you.  Pain and suffering include emotional damage, loss of lives, and disfigurement from injuries.

 Vehicle damage. 

 If your car was involved in an accident, you must include all damages incurred and claim compensation.

Medical expenses. 

If you’re involved in a car accident, the first thing is to seek medical treatment even when the injuries don’t seem severe. This is because your body can be in shock after encountering the accident. You will need to get checked by a doctor. Meanwhile, the auto insurance company should compensate for doctor appointments, tests, surgery if you have to take one, medical bills, and medication.

What Should I Do After a Car Accident 

After a car accident, the first thing to do is ensure everyone is safe. If you have passengers or family, check if they are okay, and you should do the following.

•  In case of any injuries, call the ambulance first to secure the life of those injured. Ask them to come for emergency medical assistance since you have injured people. 
• Call the police to inform them about the car crash and the casualties.
• Stay calm and don’t admit fault to anyone. 
• Answer all questions by the police and let them investigate the scene.
•  Exchange information like license plate numbers and insurance policy with the victim or party involved
• Report the accident to the auto insurance company
• Call your accident attorney.

Liability  Coverage and Insurance Company 

Driving without auto insurance in California is illegal, breaking traffic laws. The auto insurance company coordinates with the Department of Motor Vehicles to notify them if your auto insurance is paid up-to-date or expired. Many people need to pay more attention to the advantages of using liability insurance coverage. 

This insurance is helpful in case you get sued for a car accident.  It also protects the at-fault driver and the victim by providing liability coverage higher than the primary insurance can cover.  If you are being sued for a car accident,  the accident victim can file a lawsuit against you. The auto insurance coverage can also provide you with an accident lawyer to help in your case.

 If you don’t have the coverage, you need to ask yourself, can I lose my house due to an at-fault car accident? Because the victim will take whatever it takes to be fully compensated. Having the liability insurance cover will ensure to provide all the substantial damage covered by the at-fault driver to the accident victim. Since you can’t predict an accident, it’s best to have more than enough coverage to sustain you if you get involved in one. Enough liability cover will prevent you from losing your personal property. 

Insurance Policy Claims

The minimum liability insurance requirement for people in California varies from the following:

• $15, 000 for one person in body injury cover
• $30,000  in bodily injury coverage per accident
• costs. For example, a medical bill can exceed $15,000 per person; vehicle damage costs may exceed $5,000 minimum. You can only settle for what you deserve if you have an injury attorney.$5,000 in property damage liability.

When one buys insurance, there are limits on the amount of every coverage. Due to many accidents caused by drivers, sometimes the accidents can be severe, exceeding the minimum. 

Is It a Must I Go to Court After an At-Fault Car Accident 

Yes.  You should expect a lawsuit if you don’t have enough insurance payout for a car accident and policy limit.  You need an accident lawyer to hear your side of the story. Ensure to say all the truth and what caused the accident. Accident lawyers are important when the at-fault case is up for debate. 

You can be excused from the damages if you have enough evidence showing the other party was primarily responsible for the accident. If you live in a comparable state, the damages can be reduced, even partially to the accident.  If the driver is found 25% at fault for the accident, they may pay for the damages depending on their injuries and your insurance policy coverage. It can reduce the total payout to the victim.

 This is important because it will prevent you from losing your assets in a lawsuit. The other party can decide to go to court if they have substantial evidence about the damages done by the accident.  It is still their responsibility to show that you are responsible for the accident and that the damages and injuries are directly caused by it. 

Having the right attorney to represent you in a fault accident case is vital because they’ll present and defend the case for you to make strong claims. The lawyer also does a lot of investigation before concluding the case. At times the victim can present fault injuries, which they had before the accident. An attorney can bring this issue to the court and prevent you from paying extra costs that weren’t yours.

Conclusion

If you’re a driver, to avoid questions like, can I lose my house due to an at-fault car accident? Is to always ensure you pay enough for your auto insurance coverage to avoid losing your personal property to the victims. This will save you big time in case of any accidents.  Most importantly, you should have injury and accident lawyers to help you in such situations. Lawyers make the case look easier as they take full responsibility to protect and prevent you from paying a lot of money as compensation.