How Do Insurance Companies Determine Fault In Car Accidents?

How Do Insurance Companies Determine Fault In Car Accidents?

In the unfortunate event that you are involved in an auto collision, one of your first actions will be to contact your insurance company. Before your insurance company provides you with a claim settlement towards your auto collision repair, however, it may be necessary to determine which party was at fault in the incident. Let’s look inside how insurance companies determine fault in car accidents.

Evaluation of State Law

While many states have fault-based car insurance laws, other states are known as no-fault states. When your insurance company is determining fault for a car accident, they will need to begin the process by assessing the laws that affect your local area. If you live in a no-fault state, each party will be responsible for paying their own respective insurance claim settlements and bills. In a fault-based state, however, it will be necessary for your insurance company to determine which party was at fault for causing the accident.

Gathering of Evidence

To determine fault in a car accident, your insurance company will need to gather as much evidence as possible about the events that took place. When collecting evidence, your insurance company may take testimonies from the affected parties, as well as eye witnesses who were at the scene. You may also be required to submit photos and other forms of evidence to your claim representative.

Admission of Fault

An insurance company can also use a spoken or written statement as an admission of fault. If you or the other party accidently admits that you were at fault, this statement could be used during the insurance claims process.

If you need quality auto collision repair after a collision, contact National Auto Collision by calling (520) 623-4959. Our Tucson body shop is equipped with the tools and materials that are needed to restore your car to excellent condition following an automotive accident. With our help, you can also navigate the insurance claims process.