How Do Auto Insurance Companies Determine Fault?

How Do Auto Insurance Companies Determine Fault?

After a car accident with another driver, you may be wondering how insurance companies determine fault to allocate compensation to each driver. If the accident was partially or fully caused by the other driver, you could be eligible for significant compensation. However, to receive this compensation, you will need to file an accident claim with a sufficient amount of evidence. Some insurance companies will work against you to save them money. Talk to a Mississippi auto accident attorney if you have encountered obstacles to compensation.

Collection and Examination of Evidence

When auto insurance companies investigate accident claims, one of the first steps they will take is collecting and requesting various evidence. This can mean requesting evidence from you, police, the other driver, and witnesses. The more evidence you submit with your accident claim, the faster this process will work and your chances of receiving compensation can increase.

You may be wondering what evidence you should collect. Pictures are powerful pieces of evidence. Be sure to take pictures of the injuries you sustained, your vehicle damages, and the accident How Do Auto Insurance Companies Determine Fault?scene. When it comes to paper evidence, you will want to request a copy of the police report and any medical records related to your injuries.

Police reports will tell your insurance company what happened at the accident scene and usually include witness information. This witness information can be used to have witnesses testify in court. You can also write down witness names and their statements about what happened at the accident scene. As long as you have their names and contact information, this can be used later in your defense. Also, be sure to write down your side of what happened before memories fade.

Medical records will let your insurance company know exactly how much your medical bills added up to. If you lost wages during your recovery, you will want to submit copies of your most recent paystubs. For cases of lost loved ones, you will want a death certificate copy for a wrongful death claim.

Exploring Different Types of Liability and Negligence

Insurance companies will usually automatically compensate you if no-doubt liability was involved. No-doubt liability means the accident was the other driver’s fault without any doubt. Drivers who broke traffic laws, turned left at the wrong time, drove under the influence of drugs, or caused a rear-end collision are usually automatically at fault for the accident.

Proving negligence also involves understanding how comparative negligence works. Since Mississippi uses pure comparative negligence, this means that the amount of compensation a driver can receive depends on the percentage of fault they are assigned by the court. Drivers with a higher percentage of fault will owe more in compensation than drivers with a lower percentage of fault.

Auto Accidents Lawyer in Mississippi

Figuring out what evidence and documents to send in with your accident claim can be stressful without the assistance of an auto accident lawyer. Some insurance companies will use various tactics to prevent you from receiving fair compensation. You can contact the Germany Law Firm PLLC today at (607) 487-0555 to speak with an experienced Jackson insurance bad faith lawyer. You could be eligible to receive compensation for medical bills, emotional distress, and lost wages.