accident attorney Car Accident Law

Question 1

What does 'fault' or 'tort' state mean in the context of auto accident insurance?

Accepted Answer

The at-fault driver's insurance pays for damages to the other party

Answer

Each driver's own insurance always pays regardless of fault

Answer

The state government compensates accident victims

Answer

Fault is determined only in court

Question 2

What is 'no-fault' auto insurance and how does it affect accident claims?

Accepted Answer

Each driver claims against their own insurer for medical expenses regardless of who caused the accident

Answer

No one is required to carry insurance

Answer

The government pays all accident claims

Answer

Fault is never determined in any proceeding

Question 3

What is 'uninsured motorist' (UM) coverage in auto insurance?

Accepted Answer

Coverage that pays the policyholder's damages when the at-fault driver has no insurance

Answer

Coverage for vehicles the policyholder doesn't own

Answer

Medical coverage for pedestrians

Answer

Coverage for vehicle theft

Question 4

In a rear-end collision, who is typically presumed to be at fault?

Accepted Answer

The driver who rear-ended the vehicle in front

Answer

The driver of the vehicle in front

Answer

Both drivers equally

Answer

The driver with less experience

Question 5

What is a 'police report' and why is it important after a car accident?

Accepted Answer

An official record created by responding officers that documents the accident scene, parties, and preliminary fault assessment

Answer

A citation issued to the at-fault driver

Answer

A medical evaluation of injured parties

Answer

A formal insurance claim

Question 6

What is 'diminished value' in the context of a car accident claim?

Accepted Answer

The reduction in a vehicle's market value after it has been in an accident and repaired

Answer

The decrease in the plaintiff's earning capacity

Answer

The drop in settlement value due to plaintiff's fault

Answer

The depreciation of the vehicle over time