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How do insurance companies determine who is at fault for auto accident?
Wiki User
∙ 15y ago
I turned the corner on a residential street with no double yellow and there was a suv/van on the left with room to go past on the right. I didn't notice whether a blinker was on, but it was moving slowly. I continued straight and the van took a sudden turn into a driveway on the right. I slammed on the brakes but we collided, my Subaru wagon's left side behind the headlight met his bumper, as the van was higher. He had no damage. My car was bent in at the corner. He said as he had no damage there was no need for a police report, and I would be cited for passing on the right. I wonder whether he should have looked before turning. I saw a blinking front right blinker when he hit me, but did not notice whether his back blinker worked. I went home with him not wanting to be involved in any way. Could I have been hit in a parking lot in the same way? Is that enough to tell the insurance co.?, Or could he possible have some fault for turning into me and not looking. I wish I knew if his rear blinker worked, but I didn't think of this until I got home.
Wiki User
∙ 15y ago
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Who determines fault in auto accident?
Insurance companies determine fault by looking at police reports, taking statements from the parties involved and witnesses, and looking at the vehicles.
Someone hit you an Neither I or other driver has insurance on our car who is at fault?
Who is at fault has to do with the accident itself not the insurance coverage. A police report of the accident and looking at the proximate cause of the accident help determine fault.
Are there any insurance companies in Ontario that sell no fault insurance?
No-fault insurance generally refers to the individual working with their own insurance company, despite who may have been at fault for the accident. In Ontario, the Ontario Auto Insurance sells no-fault insurance.
Are auto insurance companies in California responsible for working with the other party's insurance company to determine fault in an accident?
Usually your insurance company will make that determination. The only time I can think of one insurance company working with another company to determine fault is if stories are mixed, or circumstances (such as weather, pedestrians, noise, etc) are too complex to tell initially.
Is root cause analysis used in accident investigations?
"Root cause analysis is one of the primary means of adjudication that is used by insurance companies in accident investigations. This process is very important for the insurance company to ultimately determine fault, and thus, whether a claim will be paid or not."
Are you still at fault if the other person does not have insurance?
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.
Do insurance companies frown upon lending vehicles to friends?
Only if the friend gets into an "at fault" accident.
Can car insurance companies charge the passenger for the drivers fault in an accident?
No. The person driving is the responsible party.
What happens if an accident is your fault and you have have insurance?
When this happens, your Insurance company pays for damages. If the accident is your fault, your insurance rates can go up.
Will insurance pay if you do not have a police report?
Police reports are not necessary, insurance companies can recreate the occurrence from the damage on the vehicle and determine who is at fault.
What is primary purpose of accident investigate?
To determine who was At Fault for the accident's occurrence and also, to establish liability.
Are auto insurance companies in Canada allowed to raise rates because of an accident?
Yes they are, and the majority of time that is when they will raise rates, especially when you are at fault. If you were at-fault for the accident and had to make a insurance claim, then your rates will definitely increase, since you are a higher risk driver, and the insurance company had to pay out because of you. If you are in an accident that you were not at fault, then your rates should not increase but they might. Some companies again see this as you being a higher risk driver since you were in a accident, even if it wasn't your fault, so they will raise the rates. If this happens, I recommend switching insurance companies, as a good company should not do this. In either case your rates will not increase until your insurance is up for renewal. At which point, if they do increase I would recommend looking around and comparing prices from other companies
