How Fault is Determined After a Car Accident

This is how your insurer determines fault after an auto accident.

As a driver, there is a chance that you will be involved in an accident at some point in your life.  While some accidents are unavoidable, your insurance provider will still need to determine which driver was technically at fault.  Here are some of the things that help your insurer determine fault.

Police Report

After a car accident takes place, the official police report plays the biggest role in determining which driver is at fault.  Your insurance company relies on this report because it is generally more reliable and less biased than the accounts given by the drivers that were involved in the incident.

Your Evidence

While it is important, the official police report isn’t the only thing that your auto insurer will take into account.  They will also consider the evidence that you have provided.  For instance, the photos that you take of the accident scene, the photos of your car, and the information that you gather from other drivers and witnesses can back up your story and help your insurer get a better idea of what happened.


Keep in mind that your insurance provider will do its best to determine fault accurately and fairly.  In the meantime, you should avoid admitting fault.  You should cooperate fully and honestly answer any questions you are asked.  However, do not try to elaborate further.  Even if you are pretty sure that the accident was your fault, let the authorities come to that conclusion for themselves.

These are some of the factors that contribute to how your insurer will attempt to determine fault after an auto accident.  Curious to learn more about your auto insurance?  Turn to the professionals at Pierce Insurance Group.  Our highly-trained experts are ready to assist you with all your coverage needs.  Contact us to get started today.