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Factors that Help Your Auto Insurer Determine Fault

How fault is determined after an accident

After an accident, these are the factors that help your insurer determine fault.

It’s no secret that getting into a car accident will affect your auto insurance in Carrollton, Texas.  While car accidents are usually unintentional, your auto insurer must still attempt to determine which driver was technically at fault.  As they try to establish what happened, your insurance provider will take different factors into consideration.  Here are some of the things they will factor in.

Official Police Report

After an accident takes place, the official police report plays the most important role in how your auto insurer determines fault.  This report carries significant weight because the police’s account is more reliable and less biased than the accounts of the drivers who involved in the accident.

Your Evidence

While the official police report is influential, this is not the only factor that your auto insurance provider will take into account.  They will also consider any evidence that you supply.  For instance, your account of the situation, the photos of the accident scene, and the photos of your car will all be looked at.  Oftentimes, this evidence can be used to determine degree of fault or support your claim.

Keep In Mind…

It’s important to remember that your auto insurer will do their best to determine fault as accurately and fairly as possible.  In the meantime, you should avoid admitting fault for the accident.  While you should cooperate fully with the police and the other driver, you should not elaborate more than you are asked to.  Even if you are convinced that you are the one at fault, let the police determine this objectively.  It’s possible that the accident was really caused by something you were unaware of.

These are some of the factors that your insuerer will use to determine fault after a car accident.  Do you have more questions regarding your auto insurance in Carrollton, Texas?  Then contact the experts at Mike Leonard Insurance Agency.  Our dedicated team is eager to find you the right coverage from one of our many carriers including: Kemper, MetLife, Travelers, The Hartford, Safeco Insurance, Progressive, and American Strategic Insurance.  Don’t worry, we’ve got you covered.