How do insurance companies determine fault in a car accident?

Let's Get Started
On Your Case

insurance adjuster car

When a car accident occurs, it can be challenging to figure out who is at fault. Those involved are often shell-shocked by the traumatic accident. Victims typically have a difficult time recounting the events leading up to the accident. For the most part, when determining fault for an accident, insurance companies will determine fault. To determine who is at fault for the accident, insurance companies will evaluate the circumstances of the accident. Please continue reading to learn how insurance companies assess fault after a car accident and how a seasoned St. Mary’s County Car Accident Lawyer can help you navigate your legal options. 

Do insurance companies determine fault after a car accident?

In most cases, insurance companies will determine who is at fault for a collision. The insurance company will send an insurance adjuster to gather valuable information about the collision. This includes obtaining the police report filed, assessing photos of the damage, and conducting interviews with both drivers and any witnesses. After evaluating the circumstances of the accident, the adjuster will determine who is at fault for the collision. The insurance company will also refer to state laws to determine fault. In some cases, motorists violate traffic laws, thereby making them liable for the accident.

Should I speak with an insurance adjuster?

Following a car accident, victims should refrain from speaking to an insurance adjuster. Insurance adjusters use various methods to gather details about the accident to determine who is at fault. Often, insurance adjusters approach victims very quickly after an accident. They approach victims quickly after an accident to catch them before they are fully aware of their legal options. The adjuster will attempt to ask several questions about the accident and the victim’s injuries. Adjusters work on behalf of the insurance company, so although they may seem sympathetic to your situation, they are not on your side. Their goal is to save the insurance company as much money as possible. An adjuster will often offer a lowball settlement before victims have had a chance to understand how much their damages may cost. Victims must consult a lawyer before speaking to an adjuster or accepting a settlement. Adjusters will try to get victims to say certain things that they can use against them later on to discredit their claims. However, a lawyer can intervene and ensure you understand your legal options.

In the unfortunate event that you or someone you care about has been injured in a car accident, please don’t hesitate to speak with one of our determined and adept team members. Our firm is committed to helping our clients investigate the circumstances of an accident and collect pertinent evidence to support their claim against a negligent party. Allow our firm to fight on your behalf to seek financial compensation for your damages.