Can I still file a claim if I’m partially at fault for a car accident?

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Yes, you can still file a claim even if you are partially at fault for the accident. If you were involved in an accident and you believe you share some responsibility for it, you can still take steps to file a claim. In many cases, there might be shared responsibility among multiple parties.

How to file a claim if you’re partially at fault for a car accident

When you’re partially at fault, the process might vary depending on your location and insurance company. 

• Determining degree of fault: Insurance adjusters will assess the accident details to determine the percentage of fault assigned to each party involved. Your claim payout might be reduced based on your assigned percentage of fault.

• Insurance coverage: Your ability to file a claim might depend on the type of insurance you have. If you have liability insurance, your policy might cover damages to the other party but not your own. If you have collision or comprehensive coverage, it might help cover your own damages minus the deductible.

• Negotiations: If you disagree with the assigned fault percentage, you can negotiate with your insurance company. Providing evidence and documentation can help support your case for a lower percentage of fault.

• Legal considerations: Consulting an attorney who specializes in personal injury or insurance law can provide you with guidance.

Remember, every situation is unique. It’s a good idea to contact your insurance company as soon as possible after the accident to understand your options and responsibilities.

Final thoughts

Being partially at fault doesn’t necessarily prevent you from filing a claim. Your ability to get compensation will depend on the circumstances, your insurance coverage, and state laws. Reach out to your insurance provider to discuss your specific situation and explore the best way to proceed.