How do insurance companies determine fault in a car accident?

When a car accident occurs, it is common for victims to be overwhelmed by the traumatic incident. Many accidents happen within the blink of an eye which can make it challenging for victims to recall pertinent details about the collision to determine fault. The District of Columbia is a no-fault state, which means if you get into a car accident, you will have to file a claim with your insurance company. Motorists must carry personal injury protection (PIP), which is a type of insurance that covers their injuries that result from an accident. However, PIP may not cover all the necessary expenses if your injuries are severe and life-threatening. In this case, you can file a claim against a negligent party to seek monetary compensation for your damages. When you file a claim against a neglient party, their insurance company will investigate the circumstances of the accident to determine fault. Keep reading to learn how insurance companies determine fault in a car accident and how our experienced Washington, D.C. Car Accident Lawyers can help you navigate your legal options. 

What factors do insurance companies evaluate when determining fault in a car accident?

When a car accident occurs, it can be difficult for victims to recount the events leading up to the accident. This can make it more difficult to determine who was negligent. However, insurance companies investigate the facts of the accident to determine which party was at fault for the accident. Insurance companies will send insurance adjusters to obtain the accident report, conduct interviews with witnesses and the motorists involved in the accident, assess your medical records, and review photos of the claimed damage. In addition, they will evaluate whether any traffic laws were violated which caused the accident to occur. Essentially, they will examine all aspects of the accident to determine who was negligent.

Should I avoid speaking to an insurance adjuster?

After a car accident, an insurance adjuster will likely approach you and offer you a lowball settlement to quickly resolve the case. However, it is in your best interest to avoid speaking to an adjuster until you’ve had a chance to speak to a lawyer. Following a car accident, adjusters will quickly approach you to try to catch you before you’ve had the opportunity to understand how much your damages may be worth and your potential legal options. Adjusters will act as if they care about your situation. However, they are not on your side. They will conduct an interview trying to get you to make a statement about the accident. Anything you say to an adjuster can be flipped and used against you in a court of law. It is important to refrain from speaking to an adjuster as they try to discredit your claim. If you have been injured in a car accident, it is imperative to consult a qualified lawyer to ensure you understand your rights and legal options moving forward.

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 lawyers. Our firm is committed to helping our clients get the justice they deserve.