You can file a claim in case of a car accident without help from a lawyer, but is it advisable? The short answer is NO! Research shows that people who hire lawyers receive better compensation – to be precise, around 3.5 times more than those who don’t.

This difference isn’t a coincidence. Experienced lawyers are familiar with all the ins and outs of the law, skilled in negotiating with insurers, and knowledgeable about determining the appropriate settlement amount, which leads to securing larger settlements.

That’s why legal experts universally recommend hiring a lawyer for accident cases. To help you make the decisions, we’ll discuss what a car accident lawyer does. So, let’s get into the details without further ado!

What Is The Role of A Car Accident Lawyer? Brief Overview

The main role of a car accident lawyer is to provide legal assistance from the beginning (right after the accident) to the end of the case. You can consult with a lawyer about your case, and they’ll advise you on the best course of action, including what type of claim is valid in your case.

Besides guiding the claim, car accident lawyers provide insights into what evidence you need to strengthen your claim. They’ll skillfully negotiate with insurers about the compensation amount with strong evidence.

Thanks to their negotiation and case-handling skills, the insurer must provide rightful compensation for the claim, which usually doesn’t happen. When there’s no lawyer, insurers usually try to blame you to reduce the settlement amount.

6 Ways A Car Accident Lawyer Helps Accident Victim

Below are the six ways a car accident lawyer helps accident victims.

1. Legal Guidance & Expertise

The most important job of a car accident lawyer is providing legal guidance. Not everyone is well-versed in the intricacies of the law or knows which claims to pursue following an accident, and that’s where a lawyer can help.

A lawyer would assess your case and assist with what claims are valid for your accident case. Their expertise ensures you’re on the right path to acquiring compensation for the loss.

If you’re wondering what the main cause of a rear-end car crash is, you’ve come to the right place! A rear-end car accident can be quite dangerous to both the driver of the rear car and the front car. The passenger of the front car also faces serious injuries. 

These injuries include whiplash (neck injury), fractures, back injuries, or, in worse cases, brain injuries. In this type of situation, finding the reason behind the accident and who was at fault becomes a daunting task.

Without knowing the reason behind the rear-end car crash, you wouldn’t be able to file lawsuits. This is why it’s important to know the main cause of the accident, which driver was responsible for, and what the right action to take after an accident is. 

6 Main Causes of Rear-End Car Crash

Below are the six main causes of rear-end car crashes. With these causes, you can easily get an overall understanding of why the accident occurs.

1. Drunk Driving

Drunk driving is one of the most common reasons behind accidents. There are about 37 people who die every day in the United States due to drunk driving. It’s because alcohol affects decision-making abilities, blurs the vision, and reduces reaction time.

All of the side effects of alcohol increase the chances of an accident. The reduction in reaction time means the brain doesn’t process activities faster, affecting decision-making abilities and leading to accidents.

2. Distracted Driving 

Distracted driving is a term used for driving while involved in other activities. For example, using the mobile phone, talking to someone in the car, thinking about your office day, eating while driving, and so forth.

Any activity that can divert your attention from the road and the car to other things will be considered the reason for distracted driving. The lack of situational awareness prevents drivers from noticing the front car, resulting in dangerous rear-end car crashes

3. Overspeeding

Overspeeding is a significant factor behind car crashes. In 2022, about 29% of traffic fatalities happened because of overspeeding. High speed reduces reaction time, making it harder for the driver to respond to unexpected situations.

Besides that, a faster car requires more time and distance to come to a complete stop, increasing the likelihood of rear-end car crashes. This type of accident also results in severe injuries because of the great impact force of the car.

4. Driver Fatigue

Driving requires a healthy and mentally alert individual. Otherwise, the situation can be a lot worse. In the driving profession, an unfortunate situation not only puts the driver at risk but also the passengers and all the other cars on the road.

This is why recognizing driver fatigue is crucial. Fatigued drivers experience a loss of control over their bodies and cars; they can’t focus on the road and make decisions immediately like in case a car suddenly appears in front of them.

The cost of repairing a damaged car can easily break the bank, especially if it’s a rental car. Drivers usually buy insurance for their car but not always for the rental car. So, who is responsible for paying for a rental car in North California after an accident?

Rest assured! We have answers for you. In simple words, whoever is at fault for the accident, whether you or the other driver, will pay for the damages. If both parties share the blame, then the cost of damage will be divided among both parties.

Below, we’ll discuss this topic in more detail and provide answers about how much rental reimbursement coverage costs and whether you need to add it to your insurance. So, let’s find out the answers!

What Happens If You’re At Fault In The Rental Car Accident?

The short answer is that you’ll be responsible for paying for the rental car damage caused by the accident. Since it was your fault, the other driver isn’t bound to share any of the car repair costs and you’ll have to pay for the damage.

But how you’ll pay entirely depends on your situation. If you have insurance coverage, your insurance company will pay for the repair, including rental reimbursement. However, you’ll have to pay out of pocket if this isn’t the case.

What If Other Driver Is At Fault In The Rental Car Accident?

If the other driver is at fault in the rental car accident, they’ll have to bear the expenses of car damage. In most cases, they can involve their insurance company, which will provide them with the compensation amount.

If they do not have an insurance policy, they must pay the cost themselves. If someone fails to cover the damage they’ve caused, the no-fault driver can sue the at-fault driver and take the case to court.

Did you know? Car crashes are one of the most important issues in America. More than 19,000 crashes happen daily, meaning more than 6.7 million accidents yearly. The statistics are undoubtedly saddening.

What’s more worrying is that sometimes victims don’t receive the rightful compensation for the damage. Most of the time, this happens due to a misconception that a claim isn’t possible if you’re also at fault in the accident. Thankfully, that’s not the reality!

Today, we’ll explain that you can still file a claim if you share some fault in the accident. How is it possible, and what do you need to consider when filing the claim? Let’s find out the answers to all these questions!

Can You File A Claim If You Share Some Fault In An Accident?

Yes, it’s possible to file a claim if you share some fault in an accident. Just remember, the compensation won’t be high, and in some states, your eligibility to file a claim depends on the percentage of responsibility you bear for the accident.

Another crucial consideration is whether your state follows no-fault or at-fault laws. In an at-fault state, you can seek compensation from the driver at fault in the accident. The situation will be completely different in a no-fault state.

In a no-fault state, all drivers involved in an accident must turn to their insurance providers for financial assistance instead of filing a claim. So, if you live in a no-fault state, you can’t file a claim, whether you’re the victim or partially at fault.

In contrast, residents of at-fault states can file a claim if they share some fault in an accident and get the rightful compensation. To understand the eligibility for a claim, you must know the types of shared accident faults.

Types of Shared Faults In Car Accidents

There are different types of shared faults in a car accident. In some cases, you’ll be eligible to ask for compensation, while in some cases, your involvement in causing injury can hinder your ability to file a claim.

Will my car insurance go up if I’m not at fault for an accident? Yes, it’s a possibility. How much it will go up depends on many factors, such as the model of your car, the accident that happened, its overall damage cost, etc.

Insurance companies do this to save money and minimize risk. Regardless of fault, what matters to them is how likely you are to end up in another accident. The worse your driving history, the higher the chances of accidents; thus, the price will increase.

Below, we’ll explain the factors that affect insurance prices and how much, on average, the price can go up. We’ll also answer how you can prevent insurance prices from going up. So, let’s get started!

Does Insurance Go Up If It’s Not Your Fault?

Yes, insurance goes up even if it’s not your fault in many cases. It’s a higher possibility, especially in cases where the accident was serious and you also have a bad driving history, such as many other minor accidents, traffic violations, etc.

The scenario mentioned above can label an individual as a “risky” driver who is more likely to cause another accident in the future. The insurer’s increased risk perception often results in higher premiums.

How Much Does Insurance Go Up After An Accident?

How much insurance premiums go up after an accident depends on the accident, the driver’s overall driving history, and the insurance company. Some companies have higher premiums after an at-fault accident than others.

For instance, some insurers may raise premiums by up to 20% or even 40%, depending on their risk analysis. The greater the perceived risk associated with insuring a driver, the more the insurance company will charge.

However, it’s important to remember the insurance premium won’t be high for the rest of your life. If you maintain a claim-free record and avoid traffic violations for a few years following the accident, your insurance premium will return to normal.

5 Factors That Affect The Insurance Premium

Let’s find out how the insurance company does the “risk analysis,” what factors it considers, and how they affect the insurance premium.

1. The Vehicle

Your vehicle’s model number and age are important factors for risk analysis. If you own a luxury vehicle with the latest technology, the insurance company would have to pay more to compensate for damages in case of an accident.

Due to the higher compensation required, insurance companies usually charge more to insure such vehicles. At the same time, a not-so-expensive model car without the latest technology can be insured for a lesser amount.

California is one of those states where car accidents happen frequently. According to research, approximately 250,000 car accidents occur in California every year, and in 2022, about 4099 people died due to motor vehicle accidents.

These accidents happen for various reasons, sometimes due to high speeding, aggressive driving, alcohol or drug-impaired driving, and so forth. Whatever the reason is, these accidents can result in the loss of innocent lives.

Today, we’ll discuss the leading causes of car accidents in Northern California. This will help you understand the primary reasons behind the increase in fatalities. Stick with us until the end to gain a comprehensive understanding of this critical issue.

Top 7 Causes of Car Accidents In Northern California

After our in-depth research, we’ve found seven main reasons for car accidents in Northern California. These are the most common causes, but there could be other reasons depending on the driver, the car, and the road conditions.

1. Overspeeding, Primary! 

Overspeeding is the biggest cause of accidents in California. It simply means the situation when the driver drives way too fast on a road. Accident happen because when a driver overspeeds, the ability to drive safely around a curve or object becomes compromised. 

That’s the reason behind the high rate of accidents involving speeding. As per the govt report of Speeding-Related Fatality Trends, California, about 29.1% of accidents in California were related to overspending in 2016. 

2. Alcohol Or Drug Impaired-Driving 

The second main reason for accidents is alcohol or drug-impaired driving. Both of these things can reduce the ability to concentrate on the road and sometimes even cause serious drowsiness, which is why an accident happens. 

Due to the serious consequences, the Govt has made laws against driving under the influence of alcohol or drugs. Unfortunately, the results aren’t very reassuring. According to the California government, 52.9% of drivers involved in car crashes tested positive for drugs in 2021. 

3. Neglecting Traffic Rules 

Traffic rules aren’t only made to control or manage the traffic on the road but also for the safety of drivers. However, it’s commonly seen that drivers ignore rules whenever they think they can get away with it, leading to serious car accidents. 

Some people don’t even wear helmets or use car safety belts, which also increases the number of fatalities. In 2021, the deaths of motorbike riders increased by about 9% from the previous year because they didn’t wear helmets while riding. 

4. Poor Conditions of Road 

The next reason that causes car accidents is the poor conditions of the road. Although the local government has strict criteria for the safety standards of the road, sometimes a lack of road signs, narrow lanes, weak lane markings, and potholes cause accidents. 

If it happens to you or any of your family members, you can take legal action against the responsible party. For more information, you can get help from our MCCRARY law firm with free consultation.