What if you think you caused the crash?
Let’s start with this, is the car accident your fault? Regardless of what transpires during a car accident, most people can agree that no one wants to be part of the reason it has happened. Even fewer people want to think about the steps they should take when they are at fault. However, it’s prudent to prepare for this situation.
Stay at the scene
Stop safely and comply with Nevada’s duties to exchange information and render reasonable assistance. If the crash only damaged property and the vehicle creates a hazard, follow the rules for moving it safely. See Nevada’s crash reporting and scene duties.
Check for injuries and exchange information
Politely check on the other driver(s) and exchange information. Also, be sure to call the authorities, especially if there’s evidence of injury or property damage.
How to Speak to the Other Driver(s)
You may feel the urge to apologize, to defend yourself, or to engage in a lengthy discussion. Alternatively, it’s also possible you’d prefer to avoid having a confrontation with someone. In either situation, do your best to alleviate the circumstances by monitoring your voice and your mannerisms.
How to Speak to the Police
Cooperate with investigating officers. Describe what you actually saw, and say when you are uncertain about a detail. If another passenger or a witness saw something you did not, identify that person rather than guessing.
Additional Steps to Consider
If it is safe, document the scene and traffic conditions.
- Collect names and information from potential witnesses who may be willing to share their insight
- Check for street or nearby security cameras
- Using your phone, record all evidence of the site—capture images of vehicle damage, debris, and environmental factors such as road conditions or dangerous intersections
Gathering your own record of the scene will prepare you for what’s to come.
Check Your Health
If someone is injured or in immediate danger, call 911. Seek appropriate medical attention for your injuries and tell the clinician what happened.
Notify your insurance company according to your policy. Record the claim number, the name of the person you spoke to, any requested documents and the next step.
How shared responsibility works in Nevada
Under NRS 41.141, a claimant’s negligence does not bar recovery if it is no greater than the negligence of the party or parties from whom recovery is sought. Damages are reduced in proportion to the claimant’s negligence. In a two-driver case with each 50 percent responsible, that rule can allow a recovery reduced by half.
Insurance questions after the accident
Liability coverage generally pays for harm you cause to others. Medical payments or collision coverage, if purchased, may cover different losses under your own policy. Check the declarations page and exclusions. The Nevada Division of Insurance explains the different types of auto coverage.
