What are At-Fault Drivers?

The old saying, "It takes two to tango" may be true in the case of an automobile accident, but usually it only takes one tango dancer to be an at-fault driver. At-fault drivers are the drivers who are considered by the police and insurance companies to be responsible for the car accident they are involved in. Drivers can be considered at-fault when engaged in any reckless behavior or other behavior that creates a dangerous environment for other drivers which results in a car accident.

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When there is an at-fault driver involved in an automobile accident, it is their insurer who must generally pay the claims submitted by the innocent driver. In addition, they also must cover the damage to the at-fault driver's car. This means that the insurer suddenly has a large amount of money to pay out to make up for the reckless driving or accidental carelessness of their insured.

Often, after an accident in which they were found at-fault drivers will notice their auto insurance premiums skyrocketing. This happens because their insurers automatically see them as more risky than they did previously. In order to accommodate this additional risk and continue to guarantee the value of the already issued policy, the insurer must charge a higher premium.