Being involved in a car accident is a stressful enough experience without having to worry about who is going to be held responsible for the damages. In this blog post, we’ll take a look at how these companies go about determining who is at fault after a car accident. Hopefully, this will provide some clarity and peace of mind in what is undoubtedly a difficult time.
Factors to consider
There are a few different factors that companies take into account when determining fault after an accident.
- The police report: The police report will usually contain information on who was cited for the accident. This is not always the case, but it can be helpful in making a determination.
- Eye witness testimony: If there were any witnesses to the accident, their testimony can be very helpful in pointing out who may have been at fault to get insurance claim coverage from authentic companies like…
- The statements of the parties involved: Obviously, both parties involved in the accident will have their own version of events. Insurance companies will take both of these into account when making their determination.
- Damage to the vehicles: This can be helpful in determining which vehicle was hit, and thus, which driver may have been at fault.
- After taking all of these factors into account, the insurance company will make a determination as to who was at fault for the accident. This determination will then be used to determine how damages will be paid out.
- If you have any further questions about how insurance companies determine fault after an accident, or if you would like help filing an insurance claim, please contact our office and we would be happy to assist you.
Determining who is at fault after a car accident can be a complicated process. Insurance companies look at several different factors in order to make their determination. These include the police report, eyewitness testimony, damage to the vehicles, and the statements of the parties involved.
If you have any questions about how insurance companies determine fault, or if you need help filing an insurance claim, please contact our office and we would be happy to assist you.
Things to Consider When Buying Car Insurance
- How much can you afford to pay out-of-pocket if you’re in an accident? That will help determine how much deductible you need.
- What is the minimum amount of liability insurance required by your state? Make sure you purchase at least that much.
- Do you really need collision and comprehensive coverage? If your car is paid off and isn’t worth much, it may not make sense to pay for those types of coverage. On the other hand, if you have a brand-new car with a loan or lease, collision and comprehensive coverages are probably mandatory.
Reducing Your Premiums
There are several things you can do to reduce your auto insurance premiums:
- Shop around! Rates can vary significantly from one insurer to another, so it pays to shop around and compare rates before buying a policy.
- Raise your deductibles. The higher your deductible, the lower your premium will be—but make sure you can afford to pay the deductible if you’re in an accident!
- Take advantage of discounts. Many insurers offer discounts for things like having multiple policies with them, being a good driver, insuring a newer car, etc. Ask about any discounts that might be available when shopping for a policy.
As you can see, there are a few different factors that insurance companies take into account when determining who is at fault after a car accident. Knowing this information can help you make an informed decision when purchasing car insurance and can also help you understand the process if you find yourself in the unfortunate position of being involved in an accident.