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How do they determine who is at fault in an accident?
Insurance company adjusters determine fault in an auto accident after reviewing the police report and other evidence. They may also ask you and the other driver questions about the collision to try to piece together a reliable narrative of what happened.
Can you tell how fast a car was going by the damage?
The severity of the damage can tell investigators important information. A minor dent may indicate that a driver was traveling at low speed or that the driver had nearly enough time to finish braking. Severe damage can tell investigators how fast a vehicle may have been traveling or how hard the car was hit.
Is hitting a curb collision or comprehensive?
If you have collision coverage, then hitting a curb will be covered. Ideally, you will have both comprehensive and collision auto insurance to protect yourself and your vehicle from paying everything out of pocket if you get into an accident or hit a curb that damages your car or tires.
What kind of damage can hitting a curb do?
A major problem resulting from hitting the curb is throwing your car’s suspension out of alignment. This will lead to uneven tire wear in as little as 200 miles. Your tire may also have suffered damage to the sidewall that could lead to a possibly dangerous blowout.
Does insurance pay out if it’s your fault?
If you are considered at fault for an accident or loss, your insurer won’t be able to recover their costs if they’ve paid for your repairs. Not only that, the third party or their insurer will probably claim back their own costs from your insurance company.
Does insurance pay if you are at fault?
If you live in a fault state, the person responsible for the accident will hold liability for anyone’s injuries. The other driver would file a claim with your insurance company, and you or your car insurance will pay for losses. In a no-fault state, however, each party’s auto insurance usually covers their losses.
How do cops determine speed in an accident?
Accident investigators are hired by insurance companies to calculate the rate of speed during vehicle crashes, reconstruct the accident and interview witnesses and vehicles drivers under oath. Calculating rate of speed involves measuring skid marks and calculating the speed of each vehicle involved in the crash.
At what speed does airbags deploy?
Typically, a front airbag will deploy for unbelted occupants when the crash is the equivalent of an impact into a rigid wall at 10-12 mph. Most airbags will deploy at a higher threshold — about 16 mph — for belted occupants because the belts alone are likely to provide adequate protection up to these moderate speeds.
Does insurance pay for curb damage?
If your car insurance policy includes collision coverage, then it should help pay for damage to your car if you hit a curb. If the curb is also damaged, your liability coverage may cover the cost of repairs if you’re responsible for them.
What to do after hitting a curb?
If you hit a curb or pothole, pull over carefully and assess the damage to make sure you can safely continue to drive.
- Check tires/wheel for any obvious damage. Look for cuts, scrapes, or chips out of the wheel or tire.
- Check under the car for any obvious/visible damage.
- Check for steering problems.
What should you do if you hit a curb?
If you hit a curb immediately pull over and inspect your car. Start with the tire that made contact. In the United States, this is usually the right front tire. Look for any damage to the side wall and the tread.
Can hitting a curb damage wheel bearing?
Tire misalignment: A curb impact can mess with the tire alignment. Damaged wheel bearing: the wheel bearing is susceptible to damage from the abrupt force of hitting a curb. If you notice a jitter when turning the wheel, then you may have a damaged bearing.