{"id":383339,"date":"2025-10-15T16:24:22","date_gmt":"2025-10-15T21:24:22","guid":{"rendered":"https:\/\/content.findlaw-admin.com\/ability-law\/?page_id=383339"},"modified":"2025-10-15T16:18:06","modified_gmt":"2025-10-15T21:18:06","slug":"who-is-liable-in-a-multi-car-accident","status":"publish","type":"page","link":"https:\/\/www.findlaw.com\/injury\/car-accidents\/who-is-liable-in-a-multi-car-accident.html","title":{"rendered":"Who Is Liable in a Multi-Car Accident?"},"content":{"rendered":"\n<div class=\"wp-container-core-columns-is-layout-9d6595d7 fl-sectionWithSidebar fl-container fl-flex fl-flex-wrap fl-gap30\">\n<div class=\"fl-page-articles fl-section-main fl-section-main-full-width\"><h1 class=\"fl-no-margin-top\">Who Is Liable in a Multi-Car Accident?<\/h1>\n\n<section class=\"fl-gutenberg-byline\">\n    <div class=\"fl-gutenberg-byline-content\">\n                    By <a href=\"https:\/\/www.findlaw.com\/company\/our-team\/balrina-ahluwalia-esq\/\">Balrina Ahluwalia, Esq.<\/a> | Legally reviewed by <a\n                href=\"https:\/\/www.findlaw.com\/company\/our-team\/laura-temme-esq\/\">Laura Temme, Esq.<\/a>\n                | Last updated\n        <time>\n                            October 15, 2025\n                    <\/time>\n    <\/div>\n\n    \n    <details class=\"fl-gutenberg-byline-toggle fl-gutenberg-byline-legally-reviewed\">\n        <summary>\n            <i class=\"fl-gutenberg-byline-icon\" aria-hidden=\"true\"><\/i>\n            Legally Reviewed\n        <\/summary>\n\n        <div class=\"fl-gutenberg-byline-toggle-content\">\n            <p><em>This article has been written and reviewed for legal accuracy, clarity, and style by <a href=\"https:\/\/www.findlaw.com\/company\/our-team.html\">FindLaw\u2019s team of legal writers and attorneys<\/a> and in accordance with <a href=\"https:\/\/www.findlaw.com\/company\/company-history\/editorial-policy.html\">our editorial standards<\/a>.<\/em><\/p>\n\n        <\/div>\n    <\/details>\n\n    <details class=\"fl-gutenberg-byline-toggle fl-gutenberg-byline-fast-checked\">\n        <summary>\n            <i class=\"fl-gutenberg-byline-icon\" aria-hidden=\"true\"><\/i>\n            Fact-Checked\n        <\/summary>\n\n        <div class=\"fl-gutenberg-byline-toggle-content\">\n            <p><em>The last updated date refers to the last time this article was reviewed by FindLaw or one of our <a href=\"https:\/\/www.findlaw.com\/company\/our-team\/contributing-authors.html\">contributing authors<\/a>. We make every effort to keep our articles updated. For information regarding a specific legal issue affecting you, please <a href=\"https:\/\/lawyers.findlaw.com\/?fli=bylinelink\" target=\"_blank\" rel=\"noopener\">contact an attorney in your area<\/a>.<\/em><\/p>\n\n        <\/div>\n    <\/details>\n<\/section>\n\n\n<div class=\"fl-key-takeaways fl-mb30\" data-testid=\"fl-key-takeaways\">\n    <div class=\"fl-card-content\">\n        <div class=\"fl-card-body fl-card-bg-teal fl-flex fl-flex-column\">\n                            <h2 class=\"fl-card-title fl-h2 fl-no-margin\">Key Takeaways<\/h2>\n                        <p>It depends on the specific circumstances, but liability in <span data-action=\"click-&gt;dropdown#toggle\" data-dropdown-menu-id-param=\"menu_draft_term_53437074\" data-dropdown-placement-param=\"top\" data-dropdown-disable-toggle-aria-param=\"true\" data-term-id=\"53437074\">multi-car accidents<\/span> is typically determined by identifying which driver&#8217;s negligence initiated the <span data-action=\"click-&gt;dropdown#toggle\" data-dropdown-menu-id-param=\"menu_draft_term_53437073\" data-dropdown-placement-param=\"top\" data-dropdown-disable-toggle-aria-param=\"true\" data-term-id=\"53437073\">chain reaction<\/span>. Investigators examine factors like traffic violations, driving conditions, and driver errors to establish fault among multiple parties. State insurance laws then dictate how compensation is distributed, with some states using <span data-action=\"click-&gt;dropdown#toggle\" data-dropdown-menu-id-param=\"menu_draft_term_53437076\" data-dropdown-placement-param=\"top\" data-dropdown-disable-toggle-aria-param=\"true\" data-term-id=\"53437076\">comparative negligence<\/span> systems that assign percentage-based responsibility to each driver involved.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n<p>A <span data-action=\"click-&gt;dropdown#toggle\" data-dropdown-menu-id-param=\"menu_draft_term_53437085\" data-dropdown-placement-param=\"top\" data-dropdown-disable-toggle-aria-param=\"true\" data-term-id=\"53437085\">multi-vehicle collision<\/span> can be confusing and frightening. When three, four, or even more cars crash in a <span data-action=\"click-&gt;dropdown#toggle\" data-dropdown-menu-id-param=\"menu_draft_term_53437073\" data-dropdown-placement-param=\"top\" data-dropdown-disable-toggle-aria-param=\"true\" data-term-id=\"53437073\">chain reaction<\/span>, figuring out <a href=\"https:\/\/www.findlaw.com\/injury\/car-accidents\/fault-and-liability-for-motor-vehicle-accidents.html\">who caused the accident<\/a> may be more complicated than your typical fender bender. But it\u2019s often essential for determining who pays for <span data-action=\"click-&gt;dropdown#toggle\" data-dropdown-menu-id-param=\"menu_draft_term_53437101\" data-dropdown-placement-param=\"top\" data-dropdown-disable-toggle-aria-param=\"true\" data-term-id=\"53437101\">vehicle damage<\/span>, <span data-action=\"click-&gt;dropdown#toggle\" data-dropdown-menu-id-param=\"menu_draft_term_53437117\" data-dropdown-placement-param=\"top\" data-dropdown-disable-toggle-aria-param=\"true\" data-term-id=\"53437117\">medical expenses<\/span>, and other losses.<\/p>\n<p>In this article, we review <a href=\"https:\/\/www.findlaw.com\/injury\/car-accidents\/car-accident-liability-proving-fault-in-a-car-crash.html\">how fault is assigned<\/a> for <span data-action=\"click-&gt;dropdown#toggle\" data-dropdown-menu-id-param=\"menu_draft_term_53437080\" data-dropdown-placement-param=\"top\" data-dropdown-disable-toggle-aria-param=\"true\" data-term-id=\"53437080\">multi-vehicle crashes<\/span> and how it affects getting compensation for damages. We\u2019ll also provide you with some tips to protect your interests. As with any car accident, state law is key.<\/p>\n<p>If you\u2019ve been involved in a <span data-action=\"click-&gt;dropdown#toggle\" data-dropdown-menu-id-param=\"menu_draft_term_53437081\" data-dropdown-placement-param=\"top\" data-dropdown-disable-toggle-aria-param=\"true\" data-term-id=\"53437081\">multi-car pile-up<\/span>, you\u2019ll want to speak with a <a href=\"https:\/\/lawyers.findlaw.com\/motor-vehicle-accidents-plaintiff\/?fli=dcta\" target=\"_blank\" rel=\"noopener\"><span data-action=\"click-&gt;dropdown#toggle\" data-dropdown-menu-id-param=\"menu_draft_term_53437088\" data-dropdown-placement-param=\"top\" data-dropdown-disable-toggle-aria-param=\"true\" data-term-id=\"53437088\">car accident attorney<\/span> <\/a>licensed in your state. They can help you understand your options and preserve your rights to <span data-action=\"click-&gt;dropdown#toggle\" data-dropdown-menu-id-param=\"menu_draft_term_53437110\" data-dropdown-placement-param=\"top\" data-dropdown-disable-toggle-aria-param=\"true\" data-term-id=\"53437110\">fair compensation<\/span>. They can also help you determine the best way to proceed.<\/p>\n<p>Let\u2019s start with how accident investigators determine fault in a <span data-action=\"click-&gt;dropdown#toggle\" data-dropdown-menu-id-param=\"menu_draft_term_53437078\" data-dropdown-placement-param=\"top\" data-dropdown-disable-toggle-aria-param=\"true\" data-term-id=\"53437078\">multi-vehicle accident<\/span>.<\/p>\n<h2>How Is Fault Determined in a <span data-action=\"click-&gt;dropdown#toggle\" data-dropdown-menu-id-param=\"menu_draft_term_53437073\" data-dropdown-placement-param=\"top\" data-dropdown-disable-toggle-aria-param=\"true\" data-term-id=\"53437073\">Chain Reaction<\/span> Car Accident?<\/h2>\n<p>It starts with <a href=\"https:\/\/www.findlaw.com\/injury\/accident-injury-law\/negligence.html\">negligence<\/a>. To find an <span data-action=\"click-&gt;dropdown#toggle\" data-dropdown-menu-id-param=\"menu_draft_term_53437082\" data-dropdown-placement-param=\"top\" data-dropdown-disable-toggle-aria-param=\"true\" data-term-id=\"53437082\">at-fault driver<\/span>, investigators ask:<\/p>\n<ul>\n<li>Did the driver owe a <span data-action=\"click-&gt;dropdown#toggle\" data-dropdown-menu-id-param=\"menu_draft_term_53437087\" data-dropdown-placement-param=\"top\" data-dropdown-disable-toggle-aria-param=\"true\" data-term-id=\"53437087\">duty of care<\/span>?<\/li>\n<li>Did they breach that duty by speeding, tailgating, or ignoring <span data-action=\"click-&gt;dropdown#toggle\" data-dropdown-menu-id-param=\"menu_draft_term_53437093\" data-dropdown-placement-param=\"top\" data-dropdown-disable-toggle-aria-param=\"true\" data-term-id=\"53437093\">traffic laws<\/span>?<\/li>\n<li>Did that breach cause the crash and the injuries?<\/li>\n<\/ul>\n<p>This is the core of negligence. In the following discussion, we review considerations relevant to these central inquiries.<\/p>\n<h3>First <span data-action=\"click-&gt;dropdown#toggle\" data-dropdown-menu-id-param=\"menu_draft_term_53437116\" data-dropdown-placement-param=\"top\" data-dropdown-disable-toggle-aria-param=\"true\" data-term-id=\"53437116\">Negligent Driver<\/span><\/h3>\n<p>In many <span data-action=\"click-&gt;dropdown#toggle\" data-dropdown-menu-id-param=\"menu_draft_term_53437090\" data-dropdown-placement-param=\"top\" data-dropdown-disable-toggle-aria-param=\"true\" data-term-id=\"53437090\">multi-car crashes<\/span>, the first impact is key. Under <a href=\"https:\/\/www.findlaw.com\/injury\/accident-injury-law\/negligence.html\"><span data-action=\"click-&gt;dropdown#toggle\" data-dropdown-menu-id-param=\"menu_draft_term_53437122\" data-dropdown-placement-param=\"top\" data-dropdown-disable-toggle-aria-param=\"true\" data-term-id=\"53437122\">negligence law<\/span><\/a>, the person who failed to exercise reasonable care and caused the initial impact typically bears primary responsibility.<\/p>\n<p>As such, investigators work hard to figure out whose negligence set the chain of events in motion. They\u2019ll typically look at the first <span data-action=\"click-&gt;dropdown#toggle\" data-dropdown-menu-id-param=\"menu_draft_term_53437092\" data-dropdown-placement-param=\"top\" data-dropdown-disable-toggle-aria-param=\"true\" data-term-id=\"53437092\">driver&#8217;s actions<\/span> to see whether they broke <span data-action=\"click-&gt;dropdown#toggle\" data-dropdown-menu-id-param=\"menu_draft_term_53437093\" data-dropdown-placement-param=\"top\" data-dropdown-disable-toggle-aria-param=\"true\" data-term-id=\"53437093\">traffic laws<\/span> or failed to act as a <a href=\"https:\/\/www.findlaw.com\/injury\/accident-injury-law\/standards-of-care-and-the-reasonable-person.html\">reasonable person<\/a> would under the same conditions.<\/p>\n<h3>Driving Conditions<\/h3>\n<p><span data-action=\"click-&gt;dropdown#toggle\" data-dropdown-menu-id-param=\"menu_draft_term_53437100\" data-dropdown-placement-param=\"top\" data-dropdown-disable-toggle-aria-param=\"true\" data-term-id=\"53437100\">Weather conditions<\/span> like rain, snow, fog, or ice can reduce visibility and make roads slippery. They might cause a driver to lose control or affect their ability to stop in time. Similarly, poor road conditions like potholes, loose gravel, or oily surfaces can also make stopping harder.<\/p>\n<p>However, motorists have a <span data-action=\"click-&gt;dropdown#toggle\" data-dropdown-menu-id-param=\"menu_draft_term_53437087\" data-dropdown-placement-param=\"top\" data-dropdown-disable-toggle-aria-param=\"true\" data-term-id=\"53437087\">duty of care<\/span> to adjust to the current driving conditions. That might mean, for example, slowing down, turning on headlights, or widening following distances when necessary.<\/p>\n<p>If they fail to satisfy this <span data-action=\"click-&gt;dropdown#toggle\" data-dropdown-menu-id-param=\"menu_draft_term_53437087\" data-dropdown-placement-param=\"top\" data-dropdown-disable-toggle-aria-param=\"true\" data-term-id=\"53437087\">duty of care<\/span>, they can be considered negligent.<\/p>\n<h3>Driver Errors<\/h3>\n<p>Many <span data-action=\"click-&gt;dropdown#toggle\" data-dropdown-menu-id-param=\"menu_draft_term_53437078\" data-dropdown-placement-param=\"top\" data-dropdown-disable-toggle-aria-param=\"true\" data-term-id=\"53437078\">multi-vehicle accidents<\/span> also start with driver errors like distracted or <span data-action=\"click-&gt;dropdown#toggle\" data-dropdown-menu-id-param=\"menu_draft_term_53437118\" data-dropdown-placement-param=\"top\" data-dropdown-disable-toggle-aria-param=\"true\" data-term-id=\"53437118\">drunk driving<\/span>. A <span data-action=\"click-&gt;dropdown#toggle\" data-dropdown-menu-id-param=\"menu_draft_term_53437119\" data-dropdown-placement-param=\"top\" data-dropdown-disable-toggle-aria-param=\"true\" data-term-id=\"53437119\">distracted driver<\/span> who&#8217;s checking <span data-action=\"click-&gt;dropdown#toggle\" data-dropdown-menu-id-param=\"menu_draft_term_53437102\" data-dropdown-placement-param=\"top\" data-dropdown-disable-toggle-aria-param=\"true\" data-term-id=\"53437102\">text messages<\/span>, for example, might cause a <a href=\"https:\/\/www.findlaw.com\/injury\/car-accidents\/can-i-sue-if-i-caused-a-rear-end-collision.html\"><span data-action=\"click-&gt;dropdown#toggle\" data-dropdown-menu-id-param=\"menu_draft_term_53437083\" data-dropdown-placement-param=\"top\" data-dropdown-disable-toggle-aria-param=\"true\" data-term-id=\"53437083\">rear-end collision<\/span><\/a> if they don\u2019t notice traffic slowing down. That initial <span data-action=\"click-&gt;dropdown#toggle\" data-dropdown-menu-id-param=\"menu_draft_term_53437095\" data-dropdown-placement-param=\"top\" data-dropdown-disable-toggle-aria-param=\"true\" data-term-id=\"53437095\">rear-end accident<\/span> can create a <span data-action=\"click-&gt;dropdown#toggle\" data-dropdown-menu-id-param=\"menu_draft_term_53437073\" data-dropdown-placement-param=\"top\" data-dropdown-disable-toggle-aria-param=\"true\" data-term-id=\"53437073\">chain reaction<\/span> involving cars that were simply in the wrong place at the wrong time.<\/p>\n<p>Similarly, running a <span data-action=\"click-&gt;dropdown#toggle\" data-dropdown-menu-id-param=\"menu_draft_term_53437094\" data-dropdown-placement-param=\"top\" data-dropdown-disable-toggle-aria-param=\"true\" data-term-id=\"53437094\">red light<\/span> or blowing through a <span data-action=\"click-&gt;dropdown#toggle\" data-dropdown-menu-id-param=\"menu_draft_term_53437112\" data-dropdown-placement-param=\"top\" data-dropdown-disable-toggle-aria-param=\"true\" data-term-id=\"53437112\">stop sign<\/span> can also trigger a <span data-action=\"click-&gt;dropdown#toggle\" data-dropdown-menu-id-param=\"menu_draft_term_53437074\" data-dropdown-placement-param=\"top\" data-dropdown-disable-toggle-aria-param=\"true\" data-term-id=\"53437074\">multi-car accident<\/span>. Several vehicles at busy intersections might get struck in an initial impact or swerve to avoid a crash and hit other cars instead.<\/p>\n<h3><span data-action=\"click-&gt;dropdown#toggle\" data-dropdown-menu-id-param=\"menu_draft_term_53437077\" data-dropdown-placement-param=\"top\" data-dropdown-disable-toggle-aria-param=\"true\" data-term-id=\"53437077\">Police Reports<\/span><\/h3>\n<p><span data-action=\"click-&gt;dropdown#toggle\" data-dropdown-menu-id-param=\"menu_draft_term_53437091\" data-dropdown-placement-param=\"top\" data-dropdown-disable-toggle-aria-param=\"true\" data-term-id=\"53437091\">Law enforcement<\/span> officers who respond to the <span data-action=\"click-&gt;dropdown#toggle\" data-dropdown-menu-id-param=\"menu_draft_term_53437098\" data-dropdown-placement-param=\"top\" data-dropdown-disable-toggle-aria-param=\"true\" data-term-id=\"53437098\">accident scene<\/span> start gathering information immediately. This can include:<\/p>\n<ul>\n<li><span data-action=\"click-&gt;dropdown#toggle\" data-dropdown-menu-id-param=\"menu_draft_term_53437113\" data-dropdown-placement-param=\"top\" data-dropdown-disable-toggle-aria-param=\"true\" data-term-id=\"53437113\">Skid mark<\/span> measurements<\/li>\n<li><span data-action=\"click-&gt;dropdown#toggle\" data-dropdown-menu-id-param=\"menu_draft_term_53437084\" data-dropdown-placement-param=\"top\" data-dropdown-disable-toggle-aria-param=\"true\" data-term-id=\"53437084\">Property damage<\/span>\/injury photos<\/li>\n<li>Witness and driver statements<\/li>\n<li><span data-action=\"click-&gt;dropdown#toggle\" data-dropdown-menu-id-param=\"menu_draft_term_53437111\" data-dropdown-placement-param=\"top\" data-dropdown-disable-toggle-aria-param=\"true\" data-term-id=\"53437111\">Contact information<\/span>\/<span data-action=\"click-&gt;dropdown#toggle\" data-dropdown-menu-id-param=\"menu_draft_term_53437103\" data-dropdown-placement-param=\"top\" data-dropdown-disable-toggle-aria-param=\"true\" data-term-id=\"53437103\">phone numbers<\/span><\/li>\n<li>Driving conditions<\/li>\n<\/ul>\n<p>These details typically go into the <a href=\"https:\/\/www.findlaw.com\/injury\/accident-injury-law\/obtaining-and-using-a-police-report.html\"><span data-action=\"click-&gt;dropdown#toggle\" data-dropdown-menu-id-param=\"menu_draft_term_53437077\" data-dropdown-placement-param=\"top\" data-dropdown-disable-toggle-aria-param=\"true\" data-term-id=\"53437077\">police report<\/span><\/a>, along with any traffic violations and fault analyses. This can be crucial evidence for determining the first\u00a0<span data-action=\"click-&gt;dropdown#toggle\" data-dropdown-menu-id-param=\"menu_draft_term_53437116\" data-dropdown-placement-param=\"top\" data-dropdown-disable-toggle-aria-param=\"true\" data-term-id=\"53437116\">negligent driver<\/span>. However,\u00a0<span data-action=\"click-&gt;dropdown#toggle\" data-dropdown-menu-id-param=\"menu_draft_term_53437074\" data-dropdown-placement-param=\"top\" data-dropdown-disable-toggle-aria-param=\"true\" data-term-id=\"53437074\">multi-<\/span><span data-action=\"click-&gt;dropdown#toggle\" data-dropdown-menu-id-param=\"menu_draft_term_53437107\" data-dropdown-placement-param=\"top\" data-dropdown-disable-toggle-aria-param=\"true\" data-term-id=\"53437107\">car accident<\/span><span data-action=\"click-&gt;dropdown#toggle\" data-dropdown-menu-id-param=\"menu_draft_term_53437107\" data-dropdown-placement-param=\"top\" data-dropdown-disable-toggle-aria-param=\"true\" data-term-id=\"53437107\"> cases<\/span>\u00a0aren&#8217;t always straightforward, as multiple drivers might share blame.<\/p>\n<h3><span data-action=\"click-&gt;dropdown#toggle\" data-dropdown-menu-id-param=\"menu_draft_term_53437121\" data-dropdown-placement-param=\"top\" data-dropdown-disable-toggle-aria-param=\"true\" data-term-id=\"53437121\">Accident Reconstruction<\/span><\/h3>\n<p><span data-action=\"click-&gt;dropdown#toggle\" data-dropdown-menu-id-param=\"menu_draft_term_53437121\" data-dropdown-placement-param=\"top\" data-dropdown-disable-toggle-aria-param=\"true\" data-term-id=\"53437121\">Accident reconstruction<\/span> can help when the facts are murky. Experts examine\u00a0<span data-action=\"click-&gt;dropdown#toggle\" data-dropdown-menu-id-param=\"menu_draft_term_53437101\" data-dropdown-placement-param=\"top\" data-dropdown-disable-toggle-aria-param=\"true\" data-term-id=\"53437101\">vehicle damage<\/span>,\u00a0<span data-action=\"click-&gt;dropdown#toggle\" data-dropdown-menu-id-param=\"menu_draft_term_53437113\" data-dropdown-placement-param=\"top\" data-dropdown-disable-toggle-aria-param=\"true\" data-term-id=\"53437113\">skid marks<\/span>, final resting positions of cars, and data from modern vehicles to reconstruct the moments before the crash.<\/p>\n<p>They use physics, engineering principles, and simulations to determine the sequence of events. They can often pinpoint which vehicle most likely set the <span data-action=\"click-&gt;dropdown#toggle\" data-dropdown-menu-id-param=\"menu_draft_term_53437073\" data-dropdown-placement-param=\"top\" data-dropdown-disable-toggle-aria-param=\"true\" data-term-id=\"53437073\">chain reaction<\/span> in motion.<\/p>\n<p><span data-action=\"click-&gt;dropdown#toggle\" data-dropdown-menu-id-param=\"menu_draft_term_53437091\" data-dropdown-placement-param=\"top\" data-dropdown-disable-toggle-aria-param=\"true\" data-term-id=\"53437091\">Law enforcement<\/span> and <span data-action=\"click-&gt;dropdown#toggle\" data-dropdown-menu-id-param=\"menu_draft_term_53437075\" data-dropdown-placement-param=\"top\" data-dropdown-disable-toggle-aria-param=\"true\" data-term-id=\"53437075\">insurance company<\/span> investigators often use these findings to determine who most likely set the <span data-action=\"click-&gt;dropdown#toggle\" data-dropdown-menu-id-param=\"menu_draft_term_53437073\" data-dropdown-placement-param=\"top\" data-dropdown-disable-toggle-aria-param=\"true\" data-term-id=\"53437073\">chain reaction<\/span> in motion.<\/p>\n<p>Once fault is determined, how compensation is actually distributed depends on your state&#8217;s insurance laws and liability rules.<\/p>\n<h2>State Insurance Laws<\/h2>\n<p><a href=\"https:\/\/www.findlaw.com\/injury\/car-accidents\/car-insurance-laws-by-state.html\">Insurance laws <\/a>vary from state to state. These laws govern how fault is determined in vehicle collisions. They also dictate mandatory <span data-action=\"click-&gt;dropdown#toggle\" data-dropdown-menu-id-param=\"menu_draft_term_53437120\" data-dropdown-placement-param=\"top\" data-dropdown-disable-toggle-aria-param=\"true\" data-term-id=\"53437120\">auto insurance<\/span> policies and the distribution of compensation amongst parties involved in an accident.<\/p>\n<p>Below, we discuss some of the different ways states approach accident liability.<\/p>\n<h3>At-Fault States<\/h3>\n<p>Many states follow at-fault systems. This means the person who caused the accident must pay for everyone&#8217;s damages through their <span data-action=\"click-&gt;dropdown#toggle\" data-dropdown-menu-id-param=\"menu_draft_term_53437104\" data-dropdown-placement-param=\"top\" data-dropdown-disable-toggle-aria-param=\"true\" data-term-id=\"53437104\">liability insurance<\/span>. This type of insurance covers damages the policyholder causes to others.<\/p>\n<p>All states other than New Hampshire require drivers to have <span data-action=\"click-&gt;dropdown#toggle\" data-dropdown-menu-id-param=\"menu_draft_term_53437104\" data-dropdown-placement-param=\"top\" data-dropdown-disable-toggle-aria-param=\"true\" data-term-id=\"53437104\">liability insurance<\/span> in <a href=\"https:\/\/www.findlaw.com\/injury\/car-accidents\/automobile-insurance-policy-coverage.html#:~:text=Minimum%20Insurance%20Requirements\">certain minimum amounts<\/a>.<\/p>\n<h3>No-Fault States<\/h3>\n<p>Some states use a no-fault insurance system. This is where your own <span data-action=\"click-&gt;dropdown#toggle\" data-dropdown-menu-id-param=\"menu_draft_term_53437075\" data-dropdown-placement-param=\"top\" data-dropdown-disable-toggle-aria-param=\"true\" data-term-id=\"53437075\">insurance company<\/span> pays your <span data-action=\"click-&gt;dropdown#toggle\" data-dropdown-menu-id-param=\"menu_draft_term_53437117\" data-dropdown-placement-param=\"top\" data-dropdown-disable-toggle-aria-param=\"true\" data-term-id=\"53437117\">medical expenses<\/span> and lost wages regardless of who caused the crash. Your personal injury protection (PIP) insurance pays these losses up to the<a href=\"https:\/\/www.findlaw.com\/consumer\/insurance\/understanding-insurance-limits.html\"> <span data-action=\"click-&gt;dropdown#toggle\" data-dropdown-menu-id-param=\"menu_draft_term_53437096\" data-dropdown-placement-param=\"top\" data-dropdown-disable-toggle-aria-param=\"true\" data-term-id=\"53437096\">policy limit<\/span><\/a>. <span data-action=\"click-&gt;dropdown#toggle\" data-dropdown-menu-id-param=\"menu_draft_term_53437084\" data-dropdown-placement-param=\"top\" data-dropdown-disable-toggle-aria-param=\"true\" data-term-id=\"53437084\">Property damage<\/span> is usually still handled through at-fault systems, even in no-fault states.<\/p>\n<p>PIP coverage is required in all mandatory no-fault states. However, it\u2019s not required in states where drivers can opt out of the no-fault system. These are often called \u201cchoice no-fault\u201d states.<\/p>\n<p>There are situations where you can step outside the no-fault system and recover damages. Thresholds vary by state, but generally involve severe injuries, permanent disability, or medical bills exceeding a certain amount.<\/p>\n<h3><span data-action=\"click-&gt;dropdown#toggle\" data-dropdown-menu-id-param=\"menu_draft_term_53437076\" data-dropdown-placement-param=\"top\" data-dropdown-disable-toggle-aria-param=\"true\" data-term-id=\"53437076\">Comparative Negligence<\/span><\/h3>\n<p>Understanding <a href=\"https:\/\/www.findlaw.com\/injury\/car-accidents\/comparative-negligence.html\"><span data-action=\"click-&gt;dropdown#toggle\" data-dropdown-menu-id-param=\"menu_draft_term_53437076\" data-dropdown-placement-param=\"top\" data-dropdown-disable-toggle-aria-param=\"true\" data-term-id=\"53437076\">comparative negligence<\/span> <\/a>can also be important for those dealing with a <span data-action=\"click-&gt;dropdown#toggle\" data-dropdown-menu-id-param=\"menu_draft_term_53437074\" data-dropdown-placement-param=\"top\" data-dropdown-disable-toggle-aria-param=\"true\" data-term-id=\"53437074\">multi-car accident<\/span>. Many states follow <span data-action=\"click-&gt;dropdown#toggle\" data-dropdown-menu-id-param=\"menu_draft_term_53437076\" data-dropdown-placement-param=\"top\" data-dropdown-disable-toggle-aria-param=\"true\" data-term-id=\"53437076\">comparative negligence<\/span> or modified <span data-action=\"click-&gt;dropdown#toggle\" data-dropdown-menu-id-param=\"menu_draft_term_53437076\" data-dropdown-placement-param=\"top\" data-dropdown-disable-toggle-aria-param=\"true\" data-term-id=\"53437076\">comparative negligence<\/span> rules.<\/p>\n<p>This means if you\u2019re partly to blame for an accident in one of these states, your recovery for damages may be reduced by your <span data-action=\"click-&gt;dropdown#toggle\" data-dropdown-menu-id-param=\"menu_draft_term_53437099\" data-dropdown-placement-param=\"top\" data-dropdown-disable-toggle-aria-param=\"true\" data-term-id=\"53437099\">percentage of fault<\/span>. In pure <span data-action=\"click-&gt;dropdown#toggle\" data-dropdown-menu-id-param=\"menu_draft_term_53437076\" data-dropdown-placement-param=\"top\" data-dropdown-disable-toggle-aria-param=\"true\" data-term-id=\"53437076\">comparative negligence<\/span> states, you can recover at least some damages even if you are found to be 99% at fault for the accident.<\/p>\n<p>In states with modified <span data-action=\"click-&gt;dropdown#toggle\" data-dropdown-menu-id-param=\"menu_draft_term_53437076\" data-dropdown-placement-param=\"top\" data-dropdown-disable-toggle-aria-param=\"true\" data-term-id=\"53437076\">comparative negligence<\/span> rules, you can\u2019t recover damages if you\u2019re at least a specified amount at fault (usually 50% or 51%).<\/p>\n<p>So, let\u2019s say there\u2019s a three-car accident in an at-fault state that follows comparative or modified <span data-action=\"click-&gt;dropdown#toggle\" data-dropdown-menu-id-param=\"menu_draft_term_53437076\" data-dropdown-placement-param=\"top\" data-dropdown-disable-toggle-aria-param=\"true\" data-term-id=\"53437076\">comparative negligence<\/span> rules.<\/p>\n<ul>\n<li>Driver A was 40% responsible for starting the pile-up.<\/li>\n<li>Driver B was 30% at fault for following too closely.<\/li>\n<li>Driver C shares 30% blame for <span data-action=\"click-&gt;dropdown#toggle\" data-dropdown-menu-id-param=\"menu_draft_term_53437097\" data-dropdown-placement-param=\"top\" data-dropdown-disable-toggle-aria-param=\"true\" data-term-id=\"53437097\">distracted driving<\/span>.<\/li>\n<\/ul>\n<p>Each person&#8217;s <span data-action=\"click-&gt;dropdown#toggle\" data-dropdown-menu-id-param=\"menu_draft_term_53437075\" data-dropdown-placement-param=\"top\" data-dropdown-disable-toggle-aria-param=\"true\" data-term-id=\"53437075\">insurance company<\/span> pays damages according to those percentages.<\/p>\n<h3>Contributory Negligence<\/h3>\n<p>A handful of states follow contributory negligence rules. This means if someone is even the smallest amount at fault, they cannot recover damages.<\/p>\n<p>So, let\u2019s say there\u2019s a multi-car collision in an at-fault state with contributory negligence rules.<\/p>\n<ul>\n<li>Car A is 49% at fault for speeding and tailgating.<\/li>\n<li>Car B is 1% at fault for braking abruptly in a way that contributed slightly to a <span data-action=\"click-&gt;dropdown#toggle\" data-dropdown-menu-id-param=\"menu_draft_term_53437073\" data-dropdown-placement-param=\"top\" data-dropdown-disable-toggle-aria-param=\"true\" data-term-id=\"53437073\">chain reaction<\/span>.<\/li>\n<li>Car C was 50% at fault for <span data-action=\"click-&gt;dropdown#toggle\" data-dropdown-menu-id-param=\"menu_draft_term_53437097\" data-dropdown-placement-param=\"top\" data-dropdown-disable-toggle-aria-param=\"true\" data-term-id=\"53437097\">distracted driving<\/span> and failure to maintain a safe distance.<\/li>\n<\/ul>\n<p>All three drivers are barred from recovering damages for their injuries. But a fourth driver who was 0% at fault could recover from the other three.\u00a0<\/p>\n<p>Only a few jurisdictions (Alabama, Maryland, Virginia, and D.C.) follow this rule.<\/p>\n<p><a href=\"https:\/\/www.findlaw.com\/injury\/accident-injury-law\/contributory-and-comparative-negligence.html\"><span data-action=\"click-&gt;dropdown#toggle\" data-dropdown-menu-id-param=\"menu_draft_term_53437076\" data-dropdown-placement-param=\"top\" data-dropdown-disable-toggle-aria-param=\"true\" data-term-id=\"53437076\">Comparative negligence<\/span> and contributory negligence<\/a> rules can also apply in no-fault states, but only for lawsuits, not basic <span data-action=\"click-&gt;dropdown#toggle\" data-dropdown-menu-id-param=\"menu_draft_term_53437105\" data-dropdown-placement-param=\"top\" data-dropdown-disable-toggle-aria-param=\"true\" data-term-id=\"53437105\">insurance claims<\/span>.<\/p>\n<h2>What Should You Do?<\/h2>\n<p>Now that we\u2019ve covered how fault determination and state insurance laws work, let&#8217;s focus on the practical steps you should take after a <span data-action=\"click-&gt;dropdown#toggle\" data-dropdown-menu-id-param=\"menu_draft_term_53437074\" data-dropdown-placement-param=\"top\" data-dropdown-disable-toggle-aria-param=\"true\" data-term-id=\"53437074\">multi-car accident<\/span>.<\/p>\n<p><a href=\"https:\/\/www.findlaw.com\/injury\/car-accidents\/after-a-car-accident.html\">Document everything <\/a>related to your injuries and expenses. Keep records of all medical treatment, repair estimates, car rental receipts, and time missed from work. This documentation helps prove your damages and supports your claim for compensation, including <span data-action=\"click-&gt;dropdown#toggle\" data-dropdown-menu-id-param=\"menu_draft_term_53437115\" data-dropdown-placement-param=\"top\" data-dropdown-disable-toggle-aria-param=\"true\" data-term-id=\"53437115\">pain and suffering<\/span>.<\/p>\n<p>You\u2019ll typically first report the accident and file a claim with your <span data-action=\"click-&gt;dropdown#toggle\" data-dropdown-menu-id-param=\"menu_draft_term_53437075\" data-dropdown-placement-param=\"top\" data-dropdown-disable-toggle-aria-param=\"true\" data-term-id=\"53437075\">insurance company<\/span>. But in complex or serious cases with injuries or disputed fault, consult a car accident or <span data-action=\"click-&gt;dropdown#toggle\" data-dropdown-menu-id-param=\"menu_draft_term_53437114\" data-dropdown-placement-param=\"top\" data-dropdown-disable-toggle-aria-param=\"true\" data-term-id=\"53437114\">personal injury attorney<\/span> first. They can act quickly to secure key evidence like surveillance footage, witness statements, and <span data-action=\"click-&gt;dropdown#toggle\" data-dropdown-menu-id-param=\"menu_draft_term_53437098\" data-dropdown-placement-param=\"top\" data-dropdown-disable-toggle-aria-param=\"true\" data-term-id=\"53437098\">accident scene<\/span> details that might otherwise be lost.<\/p>\n<p>You\u2019ll almost certainly still <a href=\"https:\/\/www.findlaw.com\/injury\/car-accidents\/car-insurance-claims-dos-and-don-ts.html\">file an <span data-action=\"click-&gt;dropdown#toggle\" data-dropdown-menu-id-param=\"menu_draft_term_53437105\" data-dropdown-placement-param=\"top\" data-dropdown-disable-toggle-aria-param=\"true\" data-term-id=\"53437105\">insurance claim<\/span><\/a>. But a <span data-action=\"click-&gt;dropdown#toggle\" data-dropdown-menu-id-param=\"menu_draft_term_53437079\" data-dropdown-placement-param=\"top\" data-dropdown-disable-toggle-aria-param=\"true\" data-term-id=\"53437079\">car accident lawyer<\/span> can help you understand what to say and what not to say when working with your <span data-action=\"click-&gt;dropdown#toggle\" data-dropdown-menu-id-param=\"menu_draft_term_53437075\" data-dropdown-placement-param=\"top\" data-dropdown-disable-toggle-aria-param=\"true\" data-term-id=\"53437075\">insurance company<\/span> or the <span data-action=\"click-&gt;dropdown#toggle\" data-dropdown-menu-id-param=\"menu_draft_term_53437089\" data-dropdown-placement-param=\"top\" data-dropdown-disable-toggle-aria-param=\"true\" data-term-id=\"53437089\">at-fault party<\/span>\u2019s <span data-action=\"click-&gt;dropdown#toggle\" data-dropdown-menu-id-param=\"menu_draft_term_53437075\" data-dropdown-placement-param=\"top\" data-dropdown-disable-toggle-aria-param=\"true\" data-term-id=\"53437075\">insurance company<\/span>.<\/p>\n<p>Remember, insurance <span data-action=\"click-&gt;dropdown#toggle\" data-dropdown-menu-id-param=\"menu_draft_term_53437108\" data-dropdown-placement-param=\"top\" data-dropdown-disable-toggle-aria-param=\"true\" data-term-id=\"53437108\">adjusters<\/span> work for the <span data-action=\"click-&gt;dropdown#toggle\" data-dropdown-menu-id-param=\"menu_draft_term_53437075\" data-dropdown-placement-param=\"top\" data-dropdown-disable-toggle-aria-param=\"true\" data-term-id=\"53437075\">insurance company<\/span>, not for you. Their goal is to close your case quickly and <a href=\"https:\/\/www.findlaw.com\/injury\/car-accidents\/when-the-car-insurance-settlement-offer-is-too-low.html\">with minimal payouts<\/a>. They might try to downplay your injuries or have you sign broad medical releases that work against you. They may offer quick settlements that don\u2019t reflect the full value of your damages or compensation for your future medical needs.<\/p>\n<p>Conversely, an attorney has a duty to protect your interests. Their goal is to maximize your settlement. To that end, they often interact and negotiate with the <span data-action=\"click-&gt;dropdown#toggle\" data-dropdown-menu-id-param=\"menu_draft_term_53437075\" data-dropdown-placement-param=\"top\" data-dropdown-disable-toggle-aria-param=\"true\" data-term-id=\"53437075\">insurance companies<\/span> on your behalf.<\/p>\n<h2>Why Are There Lawsuits if There\u2019s Insurance?<\/h2>\n<p>People pursue lawsuits after <span data-action=\"click-&gt;dropdown#toggle\" data-dropdown-menu-id-param=\"menu_draft_term_53437074\" data-dropdown-placement-param=\"top\" data-dropdown-disable-toggle-aria-param=\"true\" data-term-id=\"53437074\">multi-car accidents<\/span> for various reasons. These can include:<\/p>\n<ul>\n<li>Expenses\/losses that exceed insurance limits<\/li>\n<li>Inadequate insurance payouts<\/li>\n<li>Disputes over fault\/liability<\/li>\n<li><a href=\"https:\/\/www.findlaw.com\/injury\/car-accidents\/car-accident-property-damage-claims-faq.html\"><span data-action=\"click-&gt;dropdown#toggle\" data-dropdown-menu-id-param=\"menu_draft_term_53437084\" data-dropdown-placement-param=\"top\" data-dropdown-disable-toggle-aria-param=\"true\" data-term-id=\"53437084\">Property damage<\/span><\/a> not fully covered<\/li>\n<li>Serious injuries and wrongful death<\/li>\n<li><a href=\"https:\/\/www.findlaw.com\/legalblogs\/personal-injury\/when-can-you-sue-for-punitive-damages\/\">Punitive damages <\/a>for reckless behavior<\/li>\n<\/ul>\n<p><a href=\"https:\/\/www.findlaw.com\/injury\/car-accidents\/car-accident-lawsuit-basics.html\">Car accident lawsuits<\/a> are often necessary to recover <span data-action=\"click-&gt;dropdown#toggle\" data-dropdown-menu-id-param=\"menu_draft_term_53437110\" data-dropdown-placement-param=\"top\" data-dropdown-disable-toggle-aria-param=\"true\" data-term-id=\"53437110\">fair compensation<\/span> for the ordeal you\u2019ve endured. However, state-specific rules, fault determination systems, and strict claim deadlines make this landscape difficult to navigate without legal expertise.<\/p>\n<h2>Finding the Right Attorney<\/h2>\n<p>You\u2019ll have a limited <a href=\"https:\/\/www.findlaw.com\/injury\/car-accidents\/car-accident-insurance-claims-time-limits.html\">time to report your <span data-action=\"click-&gt;dropdown#toggle\" data-dropdown-menu-id-param=\"menu_draft_term_53437109\" data-dropdown-placement-param=\"top\" data-dropdown-disable-toggle-aria-param=\"true\" data-term-id=\"53437109\">multiple-vehicle accident<\/span><\/a> to your insurer. Your legal options are also limited by your state\u2019s statute of limitations. So, identify a legal advisor you can trust sooner rather than later. This could mean meeting with more than one until you find someone you\u2019re comfortable with. It\u2019s also important that they\u2019re licensed in the state where the accident occurred.<\/p>\n<p><a href=\"https:\/\/lawyers.findlaw.com\/motor-vehicle-accidents-plaintiff\/?fli=dcta\" data-wplink-edit=\"true\" target=\"_blank\" rel=\"noopener\">FindLaw\u2019s directory of <span data-action=\"click-&gt;dropdown#toggle\" data-dropdown-menu-id-param=\"menu_draft_term_53437079\" data-dropdown-placement-param=\"top\" data-dropdown-disable-toggle-aria-param=\"true\" data-term-id=\"53437079\">car accident lawyers<\/span><\/a> and <a href=\"https:\/\/lawyers.findlaw.com\/personal-injury-plaintiff\/?fli=dcta\" data-wplink-edit=\"true\" target=\"_blank\" rel=\"noopener\"><span data-action=\"click-&gt;dropdown#toggle\" data-dropdown-menu-id-param=\"menu_draft_term_53437086\" data-dropdown-placement-param=\"top\" data-dropdown-disable-toggle-aria-param=\"true\" data-term-id=\"53437086\">personal injury lawyers<\/span> <\/a>is organized by state, and you can narrow your results even further by city. You can review background and ratings information for experts in the area. You\u2019ll notice that many offer free case evaluations. This can be invaluable as you try to understand how they might be able to help maximize your compensation.<\/p>\n<p>In what can be a ruthless system, equip yourself with an advocate. An ally pursuing the best possible outcome for you can be incredibly helpful at this time.<\/p>\n\n\n<div class=\"was-this-helpful\">\n    <div\n            class=\"was-this-helpful__question-container\"\n            aria-labelledby=\"was-this-helpful__question\"\n            role=\"group\"\n    >\n        <span\n                id=\"was-this-helpful__question\"\n                class=\"was-this-helpful__question fl-text-lg-bold\"\n        >Was this helpful?<\/span>\n        <button\n                class=\"was-this-helpful__button fl-text-sm\"\n                aria-label=\"Yes\"\n                value=\"yes\"\n        >\n            <span class=\"was-this-helpful__button-text fl-text-bold\">Yes<\/span>\n            <i class=\"was-this-helpful__button-icon\">\n                <svg width=\"22\" height=\"22\" viewBox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                    <g id=\"thumbs-up\" clip-path=\"url(#clip0_604_3418)\">\n                        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class=\"was-this-helpful__choose-option-message-text\"><\/p>\n        <\/div>\n        <form class=\"was-this-helpful__feedback-form\">\n            <div class=\"was-this-helpful__feedback was-this-helpful__feedback--positive\">\n                <fieldset>\n                    <legend class=\"was-this-helpful__feedback-form-title\" tabindex=\"0\">Why was this helpful?<\/legend>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--understandable\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"positive-feedback\"\n                                value=\"Easy to understand\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--understandable\"\n                        >Easy to understand<\/label>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--solved-problem\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"positive-feedback\"\n                                value=\"Solved my problem\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--solved-problem\"\n                        >Solved my problem<\/label>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--other\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"positive-feedback\"\n                                value=\"Other\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--other\"\n                        >Other<\/label>\n                    <\/div>\n                <\/fieldset>\n            <\/div>\n            <div class=\"was-this-helpful__feedback was-this-helpful__feedback--negative\">\n                <fieldset>\n                    <legend class=\"was-this-helpful__feedback-form-title\" tabindex=\"0\">Why was this not helpful?<\/legend>\n                    <div class=\"was-this-helpful__choose-option-message\" role=\"status\">\n                        <p class=\"was-this-helpful__choose-option-message-text\"><\/p>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--missing-info\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"negative-feedback\"\n                                value=\"Missing Information\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--missing-info\"\n                        >Missing the information I need<\/label>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--complicated\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"negative-feedback\"\n                                value=\"Too complicated\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--complicated\"\n                        >Too complicated \/ too many steps<\/label>\n                    <\/div>\n                    <div 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     class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"negative-feedback\"\n                                value=\"Other\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--negative-other\"\n                        >Other<\/label>\n                    <\/div>\n                <\/fieldset>\n            <\/div>\n            <div class=\"was-this-helpful__form-buttons-container\">\n                <button\n                    class=\"was-this-helpful__feedback-button was-this-helpful__feedback-button--positive at-feedback-submit fl-button secondary\"\n                    type=\"submit\"\n                >\n                    <span class=\"fl-button-content\">Submit<\/span>\n                    <i\n                        class=\"fa fa-angle-right medium\"\n                        aria-hidden=\"true\"\n                    ><\/i>\n                <\/button>\n                <button\n                    class=\"was-this-helpful__feedback-button was-this-helpful__feedback-button--cancel fl-button primary disabled\"\n                    type=\"reset\"\n                >\n                    <span class=\"fl-button-content\">Cancel<\/span>\n                    <i\n                        class=\"fa fa-times-circle medium\"\n                        aria-hidden=\"true\"\n                    ><\/i>\n                <\/button>\n            <\/div>\n        <\/form>\n    <\/div>\n    <div class=\"was-this-helpful__thank-you-message\" role=\"status\">\n        <i class=\"was-this-helpful__thank-you-message-icon fa fa-check\"><\/i>\n        <p class=\"was-this-helpful__thank-you-message-text\" aria-live=\"polite\"><\/p>\n    <\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"fl-section-sidebar\"><div class=\"fl-editors-summary\" data-testid=\"fl-editors-summary\">\n    \n    <div class=\"fl-editors-summary-content\" data-testid=\"fl-editors-summary-content\">\n                    <h2>Can I Solve This on My Own or Do I Need an Attorney?<\/h2>\n                <div class=\"fl-editors-summary-content-main\" data-testid=\"fl-editors-summary-content-main\">\n            \n        <\/div>\n        <ul class=\"fl-list-style-none\">\n                            <li data-testid=\"fl-editors-summary-content-item\">\n                    <i class=\"fa fa-check medium fl-editors-summary-content-item-icon\" aria-hidden=\"true\"><\/i>\n                    A lawyer can help seek fair compensation on your behalf\n\n                <\/li>\n                            <li data-testid=\"fl-editors-summary-content-item\">\n                    <i class=\"fa fa-check medium fl-editors-summary-content-item-icon\" aria-hidden=\"true\"><\/i>\n                    Accident and injury claims are complex and insurance carriers have lawyers on their side\n\n                <\/li>\n                    <\/ul>\n                    <div class=\"fl-editors-summary-content-description\" data-testid=\"fl-editors-summary-content-description\">\n                <p>Get tailored legal advice and ask a lawyer questions about your accident. 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