California operates under an “at-fault” system. This means the driver responsible for causing the accident is liable for the damages. This differs from no-fault states, where each driver’s insurance covers their own expenses regardless of fault. In California, fault is determined after a review of important items such as police reports, witness statements, traffic camera footage, damage assessments, and other forms of evidence.
Who Pays for a Car Accident in California?
Since California is an at-fault state, the driver who is found to be responsible for the accident must pay for the damages. This generally means their insurance company will cover the costs incurred by the victim, such as medical expenses and property damages.
California law requires all drivers to have liability insurance that can cover these costs. Drivers in California also have the option of purchasing Personal Injury Protection insurance, which can cover costs such as medical expenses and lost wages regardless of who was at fault. Since PIP insurance is optional, many drivers choose not to carry it. However, PIP insurance could be a great option to consider if you’re looking for more robust coverage.
Does a No-Fault Accident Go on Your Record in California?
All collisions reported by law enforcement to the Department of Motor Vehicles will appear on your driving record unless the reporting officer states that someone else was at fault.
Furthermore, unless there’s a police report indicating that you’re not at fault, any collision reported by you or another individual involved in the accident will appear on your driving record if the accident involved injuries, death or an excess of $1,000 in vehicle or property damage.
Is California a No-Fault State for Car Accidents?
