Car Insurance How is fault determined in a car accident? By Insure.com's Editor | Updated on May 23, 2023 Why you should trust Insure.com Quality Verified At Insure.com, we are committed to providing honest and reliable information so that you can make the best financial decisions for you and your family. All of our content is written and reviewed by industry professionals and insurance experts. We maintain strict editorial independence from insurance companies to maintain editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria. Fault in an accident refers to who is responsible or to blame for causing the collision. It’s about figuring out who didn’t follow the rules or acted in a way that led to the accident. Determining fault involves assessing the actions and behaviors of all parties involved in the accident. Factors such as traffic laws, driving behavior, negligence, and the specific circumstances of the incident are taken into account. Fault can be assigned entirely to one party or divided among multiple parties based on their contributions to the accident. Ways to determine fault in an auto accident In a car accident, determining who is at fault is important for insurance claims and legal matters. To determine fault, evidence is gathered from various sources. This includes: Witness Statements: Eyewitness accounts can provide valuable information about the accident. Police report: Official reports filed by law enforcement officers contain important details about the accident. Photos and videos: Visual evidence, such as photos or videos, can help recreate the accident scene. Damage assessment: Examining the damage to each vehicle can provide clues about how the accident occurred. Final thoughts In some cases, fault cannot be determined by the drivers, police, or insurance companies, but alternative options are available. One option is arbitration, where a neutral arbiter is chosen to settle the case outside the court. The arbiter assesses the situation and determines the percentage of fault assigned to each driver. Another option is to file a lawsuit and pursue the matter through small claims court. This allows drivers to seek compensation for damages resulting from the accident. In case you missed it Best Car Insurance Companies of 2023 Car insurance rates by state: The most expensive and cheapest states for car ins... What is Full Coverage Car Insurance? A complete guide to car insurance costs for seniors A complete guide to adding a teenager to your car insurance policy What to do after a car accident that’s not your fault Total warfare: What to do when your auto insurer totals your car Car insurance claims: Who gets the claims check? Buying and insuring a used car: Most and least expensive models to insure in 202... The Best Car Insurance for Bad Credit of 2021 The best car insurance companies for speeding tickets Car insurance after a DUI Guide to Car Insurance Discounts Proper insurance coverage for college-bound children How to read (and actually understand!) your auto insurance policy Car Insurance Companies New driver insurance grace period: What you need to know How much do insurance agents make Autonomous cars: 5 delightful and 5 distressing things Busted! Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 Get instant quotes now ! Please enter valid zip Get Quotes