The financial responsibility after a car accident could fall on a few different parties, depending on your state and the facts of your case. If you live in a no-fault state, each driver files a claim through their own insurance regardless of who caused the accident. If you live in an at-fault state, you may be able to file a third-party claim through the at-fault driver’s insurance company. However, if a fair settlement cannot be reached and you need to file a personal injury lawsuit, the at-fault driver may end up paying out of their own pocket to compensate you for your accident related losses.
