What financial obligation does a car owner have after causing an accident?

A car owner involved in an accident has the obligation to file a claim with their insurance company, as this is typically one of the first steps required after any automobile accident. Filing a claim not only helps to cover the cost of damages to the other party's vehicle but also aids in addressing any medical expenses that may arise from the incident. By involving their insurance, the car owner can ensure that they are complying with legal requirements and protecting their financial interests.

While other options, such as negotiating with the other party or paying out of pocket, may also occur, they are not formal obligations following an accident. Many car insurance policies mandate that drivers report accidents to initiate coverage, ensuring that insurance can manage the claims process effectively. This initial claim can lead to negotiations and legal settlements later on, but it is essential first to secure the involvement of the insurance company to ensure proper handling of the situation.