Answer''Tickets'' or lack of ''tickets'' do not make the final liability determination. Many people think that, but it just isn't the case. An insurance adjuster will of course use the police report (if there is one) to aid them in their investigation, but it most cases tickets or none certainly do not determine the final liability decision. There is generally still someone who is the majority 'At Fault' all the evidence of the investigaton will lead to that logical conclusion. Your adjuster or both adjusters from each party will have their own independent investigation into the facts and make their decision based on the facts of loss.