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What Are Your Responsibilities When at Fault in an Auto Accident?

Robert Stahle • April 18, 2019
A blurry picture of a car driving down a road.

Being involved in an auto accident can be a traumatic experience, and even a minor accident can push stress levels over the top. When you’re the one at fault for a car accident, these emotions can be even more intense. You may be injured yourself while also coping with guilt over causing injury or property damage to another person.


With so much going on, it isn’t always clearly understood what should happen following a car accident and the extent of legal and financial responsibility that falls on the shoulders of the person who is determined to be at fault.


Determining Fault after an Accident


Each state has its own laws regarding the type of insurance coverage that drivers are required to carry on their registered vehicles. Neither Iowa or Nebraska are No-Fault states, rather they both operate under comparative negligence law.


Comparative negligence law states that when an accident occurs, the determination of fault in the accident is based on each of the party’s individual contributions. For example, if a person is texting while driving and runs a red light, they are likely to be found 100% at fault of the accident.


In a situation where one driver who failed to use their turn signal was rear-ended by a driver exceeding the speed limit, it would be necessary to determine the degree that each driver’s negligent actions contributed to the fault in the accident.


Financial Responsibility Following an Accident


Both Iowa and Nebraska require motorists to provide proof of financial responsibility in the event that they’re involved in an automobile accident. This law is in place to ensure that each driver has the financial means to cover any damages that may occur as a result of their negligence on the road.


In most cases, proof of financial responsibility is provided through auto insurance that includes liability coverage. In Iowa, the minimum liability insurance coverage is $20,000 for bodily injury of death of single person in an accident that is determined to be the fault of the owner or driver of the insured vehicle, $40,000 for total bodily injury or death liability, and $15,000 for property damage.


The laws in Nebraska are slightly different, with minimum liability insurance coverage including $25,000 liability coverage for injury or death of one person, $50,000 liability coverage for total bodily injury or death, and $25,000 liability coverage for property damage.


An alternative to maintaining appropriate liability insurance coverage on your vehicle is to provide proof of a bond certificate in an amount that is sufficient to cover financial liability in the event of an accident. For example, the typical bond amount in Nebraska in $75,000.


It’s important to note that liability insurance only covers the damages that other drivers and passengers incur as a result of your fault in an accident. Liability insurance does not cover any injuries that you personally sustain during an accident. Unless it can be proven that the other driver is at least 51% responsible for the accident, you’ll need additional insurance to cover the cost of your own medical care and auto repairs.


Working with an Auto Accident Attorney to Protect Your Assets


Determining fault in an accident isn’t always a clear-cut process. An experienced auto accident attorney can help protect you from financial devastation after an accident. If you’ve recently been in an auto accident, contact Fitch & Stahle Law Office for a consultation today.

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What to Do After a Drunk Driving Accident in Nebraska or Iowa Being hit by a drunk driver is traumatic, confusing, and often life-altering. In the aftermath, you may be overwhelmed by medical bills, vehicle damage, missed work, and pain that doesn’t go away. On top of all that, you’re probably wondering: What are my legal rights? At Fitch & Stahle Law Firm in South Sioux City, Nebraska , we help victims of drunk driving accidents across Nebraska and Iowa understand their rights, protect their claims, and pursue the compensation they deserve. This post explains what you’re entitled to after a DUI-related crash—and what steps you should take to protect yourself. Drunk Driving Victims Have the Right to Compensation If you were injured by someone driving under the influence of alcohol or drugs, you have the legal right to seek compensation through a personal injury claim . These claims are separate from any criminal charges the drunk driver may face. In a civil claim, the goal is not to punish the offender (that’s the court’s job)—it's to recover financial damages for the harm you’ve suffered , including: Emergency medical care Long-term treatment and rehabilitation Lost income and loss of earning potential Pain and suffering Mental and emotional distress Property damage Punitive damages (in extreme DUI cases) At Fitch & Stahle , our job is to make sure you get every dollar you’re entitled to—while the at-fault party is held accountable for their reckless actions. Nebraska and Iowa Laws That Protect Drunk Driving Victims Every state handles DUI-related personal injury claims differently. Because Fitch & Stahle Law Firm is licensed in both Nebraska and Iowa , we’re uniquely qualified to navigate the laws in both jurisdictions. Here are some key legal protections available in each state: Nebraska: Dram Shop Liability : If a bar, restaurant, or alcohol-serving establishment over-served the intoxicated driver, you may be able to sue that establishment under Nebraska’s dram shop law. Comparative Negligence Rule : Nebraska follows a modified comparative negligence rule. You can still recover damages if you were less than 50% at fault for the accident. Statute of Limitations : You generally have four years to file a personal injury claim in Nebraska, but acting sooner improves your chances. Iowa: Dram Shop Law : Iowa’s dram shop law also allows claims against alcohol vendors who sell to an intoxicated person that causes an accident. These claims have special notice requirements. Modified Comparative Fault : You can recover damages in Iowa as long as you are not more than 50% at fault. Statute of Limitations : In Iowa, you typically have two years from the date of injury to file a lawsuit. Understanding which laws apply—and how to use them to your advantage—requires a legal team with experience in both states. That’s why Fitch & Stahle Law Firm is the trusted choice in Siouxland . What to Do Immediately After a Drunk Driving Crash The steps you take right after a crash can make or break your case. Here's what you should do: ✅ Call 911 and get medical help Always prioritize safety. Even if you feel okay, some injuries (like brain trauma or internal bleeding) don’t show symptoms right away. ✅ Document everything Take photos of the crash scene, vehicle damage, your injuries, skid marks, and road signs. Get names and contact info of witnesses. ✅ Get the police report A police report stating the other driver was intoxicated is critical to your claim. Ask the responding officer for details about any breathalyzer or field sobriety tests. ✅ Avoid talking to insurance companies alone Insurance adjusters may seem friendly, but they are trained to protect the company—not you. Don’t give recorded statements or accept offers without legal guidance. ✅ Contact a personal injury lawyer The sooner you speak to a lawyer, the better. At Fitch & Stahle , we offer free consultations and handle every step of your claim—from gathering evidence to negotiating with insurers and going to court if needed. Common Injuries in Drunk Driving Crashes Drunk driving accidents often involve high speeds, poor judgment, and failure to brake—all of which increase the severity of injuries. We commonly represent clients suffering from: Traumatic brain injuries (TBI) Spinal cord injuries and paralysis Broken bones and fractures Internal bleeding and organ damage Facial disfigurement and scarring Emotional trauma and PTSD These aren’t just short-term problems. They can impact your career, relationships, and overall quality of life for years to come. That’s why it’s so important to have an attorney who fights for the long-term value of your claim —not just a quick settlement. Why Choose Fitch & Stahle Law Firm? Here’s what makes us different: ✅ We’re local —Based in South Sioux City and serving all of Siouxland ✅ We’re licensed in Nebraska and Iowa ✅ We’ve handled hundreds of personal injury claims ✅ You pay nothing unless we win ✅ We offer compassionate, one-on-one attention When you hire Fitch & Stahle , you're not just another case file—you’re a neighbor, and we take your recovery personally. Get the Legal Support You Deserve Today Drunk driving is a serious offense with serious consequences. If you or a loved one has been injured in a DUI crash in South Sioux City, Sioux City , or anywhere in the Tri-State area , don’t wait to assert your rights. 📍 Visit our office in South Sioux City, NE 📞 Call us at 402-494-3012 💻 Schedule your free consultation at fitch-stahlelaw.com Let us take the legal burden off your shoulders while you focus on healing. Fitch & Stahle Law Firm is here to fight for you.