Getting into a car accident is stressful enough, but things become even more confusing when you find out you’re expected to cover part of the damages despite believing the crash wasn’t your fault at all. Many drivers assume accidents work like courtroom dramas where one person is completely innocent and the other takes all the blame, but insurance companies across the US often see things very differently. Depending on the state and the details of the crash, fault can be divided between multiple drivers, which can leave people paying for damages they never expected to handle.