If you are involved in an accident and are "at fault," who is liable for property damage?

When you are involved in an accident and found to be "at fault," you are personally liable for the property damage resulting from that incident. This means that you hold the responsibility for repairing or compensating for the damages to the other driver's vehicle or any other property that was affected.

In many cases, your insurance provider will cover the costs associated with the property damage, but this is done on your behalf and depends on the terms of your policy. Therefore, while the insurance company may manage the payment process, the ultimate liability rests with you as the at-fault driver. The implication is that if your insurance does not fully cover the damages, you would be held responsible for any remaining amounts.

Other drivers or the state do not carry liability in instances where you’re deemed at fault; they would not be responsible for any damage incurred to their property as a result of your actions in the accident. This reinforces the importance of understanding your responsibilities when operating a vehicle and being aware of the implications of traffic laws and insurance coverage.