In “fault” states, the insurance company of the at-fault driver is responsible for paying for the injuries and damage that were sustained during the accident. In states that do not have no-fault insurance, it is imperative to never admit fault at the scene of the accident or on the phone later with an insurance representative. There is a process for determining fault, and it is best not to prematurely take responsibility for the accident.

Allow the process for determining fault to play out through official channels, because even though you may think you were at fault for the accident at the time it occurred, investigation of the facts may reveal something different later on.