7 Articles
Fault Determination Guide
Understand how fault is determined after an accident, how it affects your claim, and what to do if you disagree with the fault assessment.
Essential Reading
More Articles
Parking Lot Accident Fault Rules
Special rules for determining fault in parking lots.
6 min readMulti-Vehicle Accident Fault
How fault is divided when multiple cars are involved.
7 min readComparative Negligence Explained
How shared fault affects your compensation.
6 min readDoes Police Report Determine Fault?
The role of police reports in insurance fault decisions.
5 min readFrequently Asked Questions
Insurance adjusters determine fault for claim purposes based on police reports, witness statements, photos, and applicable traffic laws. This is separate from any legal determination.
In most states, yes. Pure comparative negligence states allow recovery minus your fault percentage. Modified comparative states have thresholds (usually 50-51%).
Document everything: photos, witness contacts, dashcam footage. Get a police report. Insurance investigators are trained to identify inconsistencies in statements.