Sign up & start saving!
Get our weekly newsletter for the latest in money news, credit card offers + more ways to save
Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.
Who’s at fault in a car accident?
A guide to who’s liable for damages in common collision scenarios.
Guides
Vehicle Guides
Need Financing?
Everybody knows what to do when there’s a car accident: Get out of the vehicle, check for injuries, exchange insurance information with the other driver and wait for the police to arrive. Then days later your insurance claims kick in, and someone (or multiple people) are held responsible for the collision. The question is, who?
We created a guide to help you understand who’s at fault in common collision scenarios. Let’s investigate the most popular types of car accidents to occur.
Get the cheapest quotes
Compare car insurance companies near you.
Your information is secure.
Driver fault when a car hits a pedestrian
You might think pedestrians always have the right of way, but that’s not actually true. When determining who’s at fault in a vehicle-pedestrian accident, look at who broke the law or acted carelessly. This is known as the law of negligence.
Here are a few examples of negligence:
- For a driver: running a red light, rolling past a stop sign, driving while talking on a cell phone, etc.
- For a pedestrian: jaywalking, loitering in the crosswalk after the light turns red, etc.
It’s easy to blame the driver in a pedestrian-driver accident. Oftentimes, they’re certainly at fault. But pedestrians don’t have automatic immunity. If they’re walking in the street when they shouldn’t be, they may be at fault.
And then the driver and the pedestrian can both be negligent, at which point contributory or comparative negligence laws will apply.
Contributory vs comparative negligence
When assigning blame for an accident, states use one of two legal concepts: contributory negligence and comparative negligence.
With contributory negligence, you’re not allowed to make a claim if you’re at fault for an accident. If a driver and pedestrian share fault in an accident, for example, they must pay for their own damages or injuries. Only four states use contributory negligence: Maryland, Virginia, Alabama and DC.
There are two variations of comparative negligence:
- Pure comparative negligence. An injured party can make a claim against another party, but compensation is reduced to the extent that the injured person is at fault.
- Modified comparative negligence. The injured party can only receive compensation if they’re less than 50 percent at fault.
Before making a claim, check which system your state uses.
Driver fault when a driver rear-ends another driver’s car
As with a vehicle-pedestrian accident, it may seem obvious who’s at fault in a rear-end collision. But the driver who rear-ends another isn’t always the one liable. To determine fault in a rear-end collision, return to the concept of negligence.
If you rear-end another vehicle, you’ll likely bear most of the responsibility for the collision. The law considers you negligent because you failed to keep sufficient space between your vehicle and the leading vehicle — the car in front of you.
The driver of the leading vehicle may also bear some responsibility for the collision. That driver could be negligent as well — for example, if they reverse without warning or fail to maintain their brake lights.
In the awarding of damages — the compensation a party receives — your state will follow the concepts of contributory or comparative negligence.
Driver fault in parking lot accidents
The parking lot is one of the most common places for accidents to happen. Drivers are vulnerable when backing out, pedestrians appear out of nowhere and countless cars squeeze into compact spaces. To determine who’s at fault in a parking lot, keep two concepts in mind: who’s moving and who has the right of way.
Here’s the skinny on who’s at fault in common parking lot accidents.
A driver backs out of a space and collides with an oncoming car
Both cars are moving, so both drivers may be deemed partially at fault.
However, in most cases the driver in the through-lane has the right of way. This means the driver backing out is more likely to hold responsibility for the accident. In some cases, the driver backing out has backed out enough that they have control of the lane. If this is the case, that driver would have the right of way.Two drivers pull out of spaces and back into each other
Both cars are moving and neither driver has the right of way. Because of this, both drivers will likely be deemed at fault in the accident.
Two cars collide while going for the same space
Both cars are moving. However, the driver turning rightward into the parking space has the right of way. Because the other driver is turning into oncoming traffic, they must yield.
There are many variables that might ultimately decide who’s at fault, but the driver turning left will probably be held mostly responsible for the collision.
Driver fault in a three-way collision
When gauging fault in a three-way collision, think about the extent to which a driver contributed to the accident. As you might expect, the leading vehicle usually bears less responsibility than the end vehicle. But that might not always be the case.
Leading car.
Oftentimes, the front car won’t be at fault in a three-way pileup. However, the driver could be found partially negligent for reckless driving.
For example, they may have slammed on their brakes, making it difficult for the driver behind them to brake in time.Middle car.
To determine fault for the middle car, consider the accident through the lens of a rear-end collision. The driver is still expected to keep sufficient space between them and the leading car. That said, they may be held partially responsible for damage to the leading car. Often, the driver of the leading car can make a claim against the drivers of the middle and end cars.
The driver of the middle car may still be held responsible for the pileup if they’re found negligent — for example, by slamming on their brakes.
End car.
Typically, the driver of the end car will be held mostly responsible for the collision. The driver of the middle car will probably make a claim against the end car as well.
The driver of the end car may be able to pursue a claim against the other drivers in certain cases of negligence.
Compare car insurance that covers collisions
Frequently asked questions about car accident fault
More guides on Finder
-
Compare full coverage vs. liability car insurance
Which type of car insurance policy fits your car and driving needs?
-
Car insurance for drivers 25 to 40 years old
Take advantage of the lowest minimum coverage rates by earning all the discounts you can.
-
Heacock Classic car insurance review March 2021
Insure your classic car or race car at agreed value with Heacock Classic, but you’ll have to look elsewhere if you have recent claims or major violations.
-
Driving without car insurance
Since driving uninsured comes with steep penalties, look at your coverage options or consider alternatives.
-
Say car insurance review Mar 2021
Offers a transparent look at your premiums and rewards renewal with a better insurance score.
-
Compare bus conversion insurance
Find and qualify for the right type of policy when living in a skoolie.
-
Acceptance car insurance review Mar 2021
Consider Acceptance if you’re a high-risk driver, but prepare for the possibility of a negative customer service experience.
-
Compare van dweller insurance
Nail down the right insurance for your budget and van type, including converted vans or Sprinters.
-
Does insurance cover camping?
From bears to boats, know when your campout could use protection to cover all the possibilities.
-
Grundy classic car insurance review March 2021
Protect your classic as well as your daily driver with steep liability coverage all on one policy.
Ask an Expert
If a car has stopped in the driving lane and I back out. I don’t see the car in any of my mirrors and I back into the stopped car. Who’s fault is it in a parking lot?
Hi Mark,
Thanks for getting in touch with Finder. I’m sorry to hear about your situation.
Typically, it is the moving car that is held at fault. Moreover, since you are the one who is going out of the parking space, you don’t have the right of way. Based on what you mentioned, it is more likely that you will be held at fault. However, there are a few things I’m not aware of. So, best is to call the police and let the police document the situation. The police will tell you who is at fault.
I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.
Have a wonderful day!
Cheers,
Joshua
I was parked behind a car at the roadside and reversed to give myself space in front to pull out around it. A car pulled out of a driveway behind me and we collided.
Is this my fault?
Hi Marty,
Thanks for getting in touch with Finder. I’m sorry to hear about your situation.
It is difficult to provide a straight answer to your question as there might be other factors that might come into play. However, in most cases, you need to take into consideration who acted carelessly or who broke the law. In some cases, the moving car has a higher tendency to be at fault. You would also need to know which driver has the right of way.
To settle the case, be sure to call the police and let him/her create a report.
I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.
Have a wonderful day!
Cheers,
Joshua
I stopped my car cause I saw the car behind me also trying to pull out. The car still hit me. Who’s fault is it.
Hi Mike,
Thanks for getting in touch! As it says on our page, it may seem obvious who’s at fault in a rear-end collision. But the driver who rear-ends another isn’t always the one liable. To determine fault in a rear-end collision, return to the concept of negligence.
If you rear-end another vehicle, you’ll likely bear most of the responsibility for the collision. The law considers you negligent because you failed to keep sufficient space between your vehicle and the leading vehicle — the car in front of you.
The driver of the leading vehicle may also bear some responsibility for the collision. That driver could be negligent as well — for example, if they reverse without warning or fail to maintain their brake lights.
In the awarding of damages — the compensation a party receives — your state will follow the concepts of contributory or comparative negligence.
Hope this was helpful. Don’t hesitate to message us back if you have more questions.
Best,
Nikki