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It means that you are literally At Fault for damages incurred from the accident, including other vehicles, municipal/state property, and the damage caused to your own vehicle. Your insurance will have to pick up the tab on all of this, and the city will probably fine you for crashing and destroying their property.

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Q: What is an 'at fault' accident?
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Who is at fault when a person waives another into an accident?

The person who causes the accident is at fault


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GAP coverage applies regardless of fault.


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Yes, If the accident was your fault, then it is your fault. Whether or not they have insurance has nothing to do with who's at fault, or who actually caused the accident.


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a judge in an American court makes the decision as to who is at fault for an auto accident. some states have "no fault" meaning in an accident all parties involved are given a percentage of the accident's fault


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Then you're considered to be at fault, the logic being that you shouldn't have been there to get into an accident.


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