Who is Responsible if Your Car is Hit by a Parked Car and Another Car Hits the Parked Car First?
Car accidents are inevitable as far as daily commuting goes. There are a lot of reasons why car accidents occur and how exactly they occur. But the most controversial issue that never fails to be raised in car accidents is the issue of responsibility.
If you are part of a car accident and have not exactly instigated the accident, you might assume that you aren’t responsible at all for any of the other circumstances that occurred after. Given the scenario that a car hits a parked car who hits another parked car, and assuming you are the guy in the middle, you might really want to know who’s responsible for what. Of course, apart from the moral side of people to want to know who caused the accident, another important reason why there is a need to know who is responsible in a car accident is for Auto Insurance claims.
How Auto Insurance Companies Determine Liability
There are many types of Car Accident Liability and they include public liability, owner’s liability, and vicarious liability. In determining who is at fault for the car accident to have occurred is completely dependent on which state you belong to in the United States. Different states enforce different laws when it comes to identifying who’s at fault in an accident.
The general law followed by most states is that they consider the driver accountable for his personal loss. This is also known as the “no fault” rule. Because of this, determining liability for Auto Insurance companies becomes less trivial. Following the logic of this law, if you are part of the car accident, whether you have caused it or not, knowing who’s responsible for what will not matter at the end of the day. You are responsible for the damage that was lost to you in the accident. Liability in most states that enforce this law handle accidents relatively easier. Another purpose of this law is to reduce lawsuits in civil court, though the court may occasionally grant right to sue under extreme circumstances.
In any case, most states require drivers to have car liability insurance before they can drive the car in public. So whether you are liable or not, the necessity of having the car insured actually protects you from any possible financial consequence. The purpose of the car liability insurance is to offset your financial responsibilities especially if you have caused the accident by covering costs of the damage done that’s within the involvement of the accident. Unless circumstances are more extreme than the common car accident scenario, then investigations are the usual next step procedures done by insurance companies.
Being personally liable for your loss and having been insured before you get to drive your car in public actually saves you the need to know who exactly is responsible from the insurance company’s point of view. Wanting to know personally or claiming to determine who is responsible for the accident is an issue that is only entirely your own.