Accidents happen every day. Most often, they occur because we miss a detail while driving. Backing up makes it easy for this to happen. So if an accident occurs, it helps to know what steps to take.
Driving in reverse does not eliminate your responsibility for safe driving. But, are you responsible for the damage from an accident? And, how do you file an auto insurance claim for it?
If you are operating your vehicle, you hold responsibility for its safe function. If you are driving forward and strike someone, you will likely be deemed responsible. The same applies to driving in reverse. Because you are in control of the vehicle, you hold responsibility.
Many concerns arise here. What if two cars are backing up at the same time? What if someone darts around the corner quickly? What if someone walks behind you as you are backing up? Every situation is unique. However, it is up to the authorities to determine fault. Who is responsible depends on the details of each incident.
In most situations, it is best to allow the police to investigate the details. Using cameras and other evidence, they can gather key information to determine fault.
What About Car Insurance?
Whether or not you have coverage for the resulting losses from this type of accident depends on the type of policy you have. If you are unsure, contact your Select Insurance agent.
The circumstances of the accident also matter. Here are a few examples of potential circumstances.
- Did you cause damage to another person's car? If so, your auto liability insurance may help cover their losses. This includes damage to the person or their property.
- Did you damage your car? If so, collision insurance may help cover these losses. Keep in mind, not all policies include collision insurance.
When an accident occurs, call the police right away. This is particularly important in states with at-fault car insurance. Here, the person who caused the accident maintains responsibility for the losses of the other party. This does not apply in no fault states. However, every situation still warrants contacting the police department. They can offer insight and guidance to you.
Do you have collision insurance? Many vehicle owners benefit from this aspect of auto insurance. Yet, some do not carry it.
Work with your Select Insurance provider. Ask about the value of adding collision insurance to your policy. In most situations, it is a small additional cost. And, it gives you peace of mind.