Getting into a car accident is stressful. It’s even harder when you think the crash was your fault. You might wonder if you still need a lawyer. The short answer is yes, it’s often a good idea. Even when you’re at fault, there are ways a lawyer can help protect your rights, your finances, and your future.
How Fault Is Decided in a Car Accident
Fault isn’t always as simple as it seems. After a crash, fault is usually decided by the police, the insurance companies, and sometimes the courts. These decisions are based on:
- The police report
- Witness statements
- Photos or videos of the scene
- State traffic laws
- Insurance company investigations
In many states, including Arizona, there’s something called comparative negligence. This means both drivers can share fault. For example, if you’re found to be 70% at fault and the other driver is 30% at fault, the other driver could still collect damages, but their payment would be reduced by their 30% of fault.
This is one reason why it’s helpful to talk to a lawyer. You might think you’re 100% at fault, but the facts could show something different.
Legal Consequences of Being At Fault
When you’re the driver at fault, several things can happen:
- Your insurance may have to pay for the other driver’s damages
- You may have to pay out-of-pocket if the damages go beyond your insurance coverage
- You could get points on your license
- Your insurance premiums may go up
- In serious cases, like if someone was badly hurt or killed, you could face a lawsuit or even criminal charges
If any of these outcomes are on the table, it’s smart to speak with a car accident attorney.
What a Lawyer Can Do After a Fault-Based Accident
Even if you’re mostly or fully to blame, a lawyer can still help. Here are a few ways:
Review Your Insurance Coverage
A lawyer can look over your policy and explain what’s covered. Sometimes, people think they have full coverage, but they may not. If your damages are higher than your coverage limits, you could be on the hook for the rest. A lawyer can help you understand if an umbrella policy or other options might protect you.
Help With Insurance Companies
Insurance adjusters are trained to save their company money. Even your own insurance company might not have your best interests in mind. A lawyer can talk to the insurance adjusters for you and make sure the paperwork is done right.
Build a Strong Case
If the crash goes to court, or if someone else is trying to blame you unfairly, your lawyer can gather evidence, talk to witnesses, and work to lower your percentage of fault. That might save you thousands of dollars.
Guide You Through Legal Steps
From dealing with claim forms to showing up in court, a lawyer can explain what needs to be done. They’ll also make sure you meet all the deadlines. In Arizona, the statute of limitations for most car accident lawsuits is two years. Missing that window could mean losing your chance to defend yourself.
Negotiate a Settlement
Most car accident cases are settled out of court. A good lawyer can work out a fair deal so you can move on. This often means paying less, avoiding court costs, and saving time.
Steps You Should Take After the Crash
Even if you think you’re at fault, you should still protect yourself. Here’s what to do:
Take Photos and Notes
Snap pictures of the damage, the other car, and the road. Write down everything you remember, and keep records of the police report and any medical treatment.
Cooperate With Your Insurance
Let your insurance company know about the crash as soon as you can. Tell the truth, but don’t guess or admit fault. Stick to the facts.
Don’t Talk to the Other Driver’s Insurance Without Help
The other insurance company may try to call you. It’s best not to talk to them until you speak with a lawyer. Anything you say could be used against you.
Consider Defensive Driving Courses
In some cases, taking a driving class could help lower your insurance rate or reduce points on your license. It also shows you’re taking steps to drive more safely.
When to Hire a Lawyer
You should seriously consider hiring a lawyer if:
- Someone was hurt in the crash
- There’s a lot of property damage
- There’s a chance you could get sued
- The fault is being disputed
- Your insurance doesn’t fully cover the costs
Even if none of those apply, talking to a lawyer for a free consultation can give you peace of mind.
Get Help From a Car Accident Attorney
Being involved in an accident where you may be at fault is scary. But that doesn’t mean you’re powerless. There are ways to protect yourself, and one of those is getting legal help early on. A car accident attorney can help lower your risks, explain your rights, and work to reduce how much you have to pay. You don’t have to go through this alone.
If you’ve been in an accident in Phoenix and think you were at fault, call (855) 257-9467 for a free consultation. A quick call could help you avoid big problems down the road.