What Do I Do When a Car Accident Isn’t My Fault?

If you were in a car accident that is not your fault, first find a safe place, and then call 911 for help. From there, document everything: exchange information, take photos, and get witness contacts.

You’ll also want to report the accident to your insurance, but avoid admitting fault. Then you should connect with a car accident lawyer to understand your rights and pursue fair compensation for damages.

This blog will expand on these steps so you can have a thorough guide on how everything works. We’ll also cover Wisconsin’s comparative negligence rule, which could affect the amount of compensation you’re due.

What to Do When a Car Accident Isn’t Your Fault

The following is a guide on what to do immediately after the accident. You’ll also find an overview of Wisconsin’s fault laws and how they apply to your case.

1. Immediate Steps to Take

If you’re in an accident that wasn’t your fault, start by ensuring everyone’s safety and follow these essential steps:

• Call 911: Even if injuries appear minor, reporting the accident officially is critical for creating a record. Police and medical responders will document the scene, which can support your case later.
• Exchange Information: Gather contact and insurance details from the other driver, and write down their license plate number.
• Take Photos and Videos: Use your phone to capture the accident scene. Focus on damage to all vehicles, traffic signs, road conditions, skid marks, and any other relevant details. These images can help reconstruct the events leading up to the accident.
• Collect Witness Information: If there are bystanders or other drivers who saw the accident. If you’re able to do so, ask for their names and contact information. Their statements may provide valuable support if fault is disputed.
• Avoid Admitting Fault: Be careful not to say anything that could be interpreted as taking responsibility. Stick to the facts when discussing the incident with the other driver or police.

These steps will help you preserve evidence and protect your rights in the immediate aftermath of an accident.

2. Report the Accident to Your Insurance

In Wisconsin, you need to report all accidents. This includes accidents that cause injury, death, or property damage. If the damage is $1,000 or more, you must inform your insurance provider.

When speaking with your insurance company:

1. Stick to the facts
2. Avoid statements that could be interpreted as admitting fault

Even innocent comments like “I didn’t see them” could cause problems. Your insurance company will assess the situation and work with the other party’s insurer to determine liability.

3. What Is Comparative Negligence? How Does It Apply Here?

Wisconsin applies a comparative negligence rule for car accidents. This rule allows you to recover damages even if you’re partially at fault, as long as your fault is less than 51%. However, your compensation will be reduced by your percentage of fault.

For example, maybe you’re found to be 20% responsible for the accident and your damages amount to $10,000. In that case, you would see a reduction in your compensation by 20% and you would, therefore, only recover $8,000.

This comparative fault rule emphasizes the importance of gathering evidence and presenting a clear account of the accident. If the other party argues that you share fault, your documentation can help counter these claims and minimize your percentage of fault.

4. Disputing Car Accident Fault With Legal Representation

Navigating Wisconsin’s comparative negligence laws can be challenging, especially if fault is in dispute. Consulting a car accident lawyer who understands Wisconsin’s laws can be invaluable. They can help gather evidence, speak with witnesses, and work with accident reconstruction experts to build a strong case for you.

An attorney can also handle communications with insurance adjusters, helping you avoid statements that could jeopardize your compensation. If negotiations don’t yield a fair settlement, your lawyer can represent you in court.

5. Seeking Compensation

If the accident wasn’t your fault or your fault percentage is minimal, you may be eligible to seek compensation for:

• Medical expenses
• Property damage
• Lost wages
• Pain and suffering
• Other related costs

Document all accident-related expenses, including medical bills, repair receipts, and records of missed workdays. Your lawyer will use this documentation to negotiate for a settlement that fully covers your losses.

Wisconsin Statute of Limitations for Car Accidents

In Wisconsin, you typically have three years from the date of the accident to file a personal injury lawsuit. While this may seem like a long time, starting the process early increases the chances of gathering reliable evidence and securing fair compensation.

Final Thoughts

If you’re involved in an accident in Wisconsin and it wasn’t your fault, prioritize your health and safety. Then document everything you can, and consider consulting an auto accident lawyer.

Taking these steps can help you navigate the complexities of a car accident claim, allowing you to recover and move forward with the support you need.