What happens if you cause a huge pileup accident?

Who pays for a multi-car accident? I saw on the news this winter quite a few pile ups on the highway due to the weather and it made me very nervous.

Answer provided by
Shannon Martin
Answered on Jul 06, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
“Car accidents that involve several cars with severe injuries and fatalities are considered catastrophic events.
While catastrophic events don’t happen often, more than 38,000 Americans die each year from car crashes, with damages totaling $871 billion per year. They happen often enough to warrant concern.
Drivers who bear the bulk of the fault in these situations do not have enough coverage and may spend the rest of their lives making payments to the injured parties.
For most people, it is almost impossible to be prepared for a car accident that can have a payout in the millions, but there is a way to be more prepared for accidents that cause more than the average amount of damage.
The recommended limit for bodily injury liability and property damage liability is 100/300/50.
Most people aren’t aware that coverage of 250/500/100 usually is only a few dollars more.
Drivers also have the option to purchase an umbrella. Umbrella policies start at $1 million worth of coverage and are priced around $100 a year.”

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