Car accidents can happen for a number of reasons. However, the most common cause of car accidents is human error.
Some of the most common types of human errors that lead to car accidents include:
- Distracted driving: This includes any activity that takes a driver’s attention away from the road, such as talking on the phone, eating, or adjusting the radio.
- Drunk driving: Driving under the influence of alcohol or drugs severely impairs a person’s ability to operate a vehicle safely.
- Speeding: Driving above the posted speed limit or driving too fast for road conditions is one of the leading causes of car accidents.
- Reckless driving: This includes any dangerous driving behaviors, such as tailgating, making unsafe lane changes, or running red lights.
Do I Have To Pay My Deductible If I’m Not at Fault?
If you’re not at fault for the accident, you generally will not have to pay your deductible. However, there are some exceptions to this rule. For example, if you live in a no-fault state, you may be required to pay your deductible even if you’re not at fault.
Additionally, if you have collision coverage, you may be required to pay your deductible regardless of who is at fault. Collision coverage is optional in most states, but it can help cover the cost of repairs to your vehicle if it’s damaged in an accident.
Because Indiana is an “at-fault” (or tort) state, you do not have to pay your deductible if you are not at fault for your accident. Contacting your insurance company can further clarify your situation and responsibilities.
What If the Insurance Company Isn’t Offering Me a Fair Settlement?
Suppose it’s been a little over two months since your car accident and you are still waiting to hear back from the insurance company. You have given them all of the information they have asked for, and you have been patient. But now, you think you might finally have an answer – and it’s not the one that you wanted. The insurance company is only offering you a settlement that is much less than what your medical bills are, let alone what your totaled car is worth. So, what do you do when the insurance company isn’t offering you a fair settlement? Contacting a personal injury attorney is always a good idea in this situation.
There are many reasons why the insurance company might not be offering you a fair settlement. They may be trying to take advantage of you because they know you are in a difficult financial situation. Or, they may simply not be taking your injuries and damages seriously. In any case, an experienced personal injury attorney will know how to negotiate with the insurance company to get you the settlement you deserve.
How Can a Personal Injury Lawyer Help Me?
A personal injury lawyer can help you if you’ve been injured in a car accident. They can help you get the compensation you deserve for your injuries. If you’ve been in an accident, you should contact a personal injury lawyer as soon as possible. Contact our law firm today at 219-400-2200 for a consultation with our team.