Got into an accident? How is the fault determined in such a case?

car insurance after an accident

Insurance companies must determine who was at fault after any car accident . Most times, it is easy to tell who is at fault especially in cases which involve a drunk driver in the accident. In other cases, determining fault may not be very clear. Auto insurance companies must collect evidence to determine the party at fault. They check the situation by evaluating property damage, injuries, police reports, etc.

The process involved

If the fault of an accident is not clear, there’s a lot that goes into determining faults. Both parties in the accident must provide a side of their own story about how the accident. Witness statements can also give relevant information to help with the final outcome. The statements along with physical evidence is key in determining the at fault party.
Once you file your claim your insurance provider determines how the accident occurred. Then they determine which of the parties contributed to the actual cause of the accident. One or both companies will then set a settlement amount. The provided amount covers the cost of the repairs for damages and injuries.
There are cases when more than one party is at fault in an accident. In such situations there is share among the insurance carriers. It could be equal or not depending on which of the parties is at fault. Your insurance provider needs to agree to cover the cost of damages if you are the cause of the accident.

What if the fault is unclear?

It may be difficult to determine the fault of the car accident if neither of the drivers admits to being at fault. Insurance companies depend on different report to determine fault when receiving contrading statements. Police reports or installed traffic cameras are very helpful tools in determining fault . Eyewitness testimony can help police or insurance company with their investigations. They also could help determine how the accident happened and who could be at fault.
Interviewing many eyewitness can help find out which driver is telling the truth. It is very important you get the eyewitness’ contact information. This is could be crucial if an insurance company requires their statement in the future.
Eyewitness plays a major role in auto accidents. If the fault is still not clear after talking to a few of them insurance providers resort to other methods. Methods such as viewing video clips or camera footage from the camera close by. Pictures of the car accident can help as well.  Seeking help from the police also goes a long way in determining the fault of the accident. Police officers have experience in investigating car accidents. Police officers usually will conduct an investigation of the accident scene. Based on injuries, skid marks, and damages they may be able to determine who is at fault.

Fault and no-fault states

This is a major factor considered in helping insurance companies determine who is at fault. If you live in a no-fault state, your insurance company will cover all expenses. This includes damages to your car and injuries regardless of who is at fault. In other words, who is at fault in an accident doesn’t matter.  If you live in an at-fault state, your insurance company will provide coverage based on who is at fault. The driver who is at fault bears payment for injuries and car repairs of the other party. With this, we hope you see how important it is to have car insurance of your own. There are several cheap car insurance coverages to choose from or you can opt for premium coverage. Most insurance providers are able to settle claims without the need for lawyers. If you feel your claim was not handled in a fair manner you can hire a car accident lawyer to help protect your rights.


Car Insurance Advisor content is not written by a licensed  insurance agent. It’s intended for informational purposes and should not be considered legal or financial advice. Consult a professional to learn what financial products are right for your situation

Everything You Should Know About Online Car Insurance

car insurance facts 2020

With this age of the internet, buying car insurance online has become much easier and more convenient. You should however know what to expect and have something in mind to make it easier for you to research coverages, get an appropriate quote and make a decision on what insurance to choose.

This article will discuss the different pros and cons of online car insurance, how to get a quote online and the things included in an online car insurance quote.

What Is Car Insurance?

Car Insurance helps pay for damages, repairs, medical expenses and more to protect you from having to pay extra money out of pocket to pay for any claims. It helps protect your car from unforeseen risks and losses resulting from theft or any losses incurred from accidents.

What Are The Pros and Cons of Online Car Insurance?

Your target should be to find the best way to save money on car insurance while getting all of necessary coverage you need. Buying car insurance has become extremely popular but before deciding to use it, you should compare it to the local route of using an insurance agent to apply for insurance. Below are the different pros and cons to look at before you buy car insurance online.

  • It is advantageous to use because of its convenience. This is because you can purchase the insurance at anytime and anywhere.
  • It also saves you extra money by skipping the middleman between you and the insurance company. You don’t have to go through the hustle of contacting an agent nor does the insurance company have to pay an agent.
  • It is easy because you can ask any questions online. Insurance companies have ready and easy-to-understand information concerning any of your insurance questions.
  • It can sometimes prove to be difficult because it will require you to have prior insurance knowledge. This will make the process hard for you if you have to research everything yourself.
  • It is also difficult to speak with a person since everything is online.

Steps to Take When Looking For Car Insurance Quote Online

You should compare different insurance carriers’ rates to get the best deal on your policy. You can do this by searching on their respective websites to get your desired results.

The first step you should take is to gather the necessary information and documents. This may include your vehicle identification numbers, the current policy you are using, the license numbers of anyone driving in your home, the annual mileage, what each vehicle is used for and any driving violation or accidents in the last five years.

You should then get an insurance quote online. You can do this by visiting multiple insurance companies online. Compare them by looking at all the different quotes, amounts and coverages. You can use your declarations page to choose the levels of protection you have currently.

Compare the car insurance quotes by looking at the best available options. The ones you should prioritize are the coverages offered, deductible limits or whether there are any discounts available to get cheap car insurance online.

Having compared them, you can then look at the policy details. This applies when you have a quote in mind and you want to change it a bit to fit your desired needs. Looking at if any one of them offers any discounts for good drivers or if any of the quotes you looked at have something, in particular, you may be interested in.

You can then apply for coverage after you have chosen the coverage that works best for you. You should, however, know that the quote was simply an estimate and you shouldn’t rely too much on it because the insurance company will determine the final rate after looking at all the details.

Things Included In an Online Car Insurance Quote

Online car insurance quotes include different coverages that will protect your car. It is extremely important to look at what they cover and they include;

  • Rental car insurance. This covers any expenses and costs of a rental vehicle used if you can’t use your car due to an accident.
  • Towing insurance coverage. This helps pay for any expenses incurred from towing if your car happens to break down. It, however, doesn’t cover the costs of any repairs.
  • The property damage liability covers the expenses resulting from the damages you may make to another person’s property with your car during an accident.
  • It also includes the car insurance payments required when paying for you and your family’s bills after an accident. This may include doctor’s visits, medical treatment costs, ambulance fees and more.
  • Collision coverage helps pay for the costs of any repairs to your car after a car accident.
  • Comprehensive coverage covers the costs for replacing or repairing your car in case it is damaged by weather or fire or if it’s been stolen.

The Bottom Line

Therefore, it is easy to get car insurance online, you should however have everything ready and prepare beforehand before searching for online quotes as already explained above.

How to Save Money on Car Insurance in 2021

Everyone likes to save money on their online car insurance and score deals that reduce the prices but most of them think there is nothing they can do actively to lower their car insurance. However that is not true, there is a lot you can do to reduce your insurance rates but there are some that are much easier than others and they all don’t apply to every insurance carrier.

This article focuses on the different things that affect your car insurance and how to effectively save money on car insurance in 2021.

Things That Affect Your Car Insurance Rates

Before looking for ways to save money on car insurance in 2021, you have to analyze the different factors that affect your car insurance rates and these include;

  • The age of the car. When you get into an accident with an old car, the cost of the repairs needed is much higher compared to the cars entire worth.
  • The credit score. Most insurance companies look at your credit score when determining your car insurance premium. The drivers with low credit scores pay higher insurance.
  • Safety rating. Cars with high safety rating have lower rates because you are not required to pay for your medical bills or that of anyone else since the chances are low of ever needing to.
  • The likelihood of theft occurring. Some cars genuinely have more chances of being hit by thieves than others. You should evaluate the type of car you are driving to determine how much your car insurance will cost you.
  • The size of your car. Large cars are usually safer than their smaller counterparts in an accident. Hence large cars have a lower premium than small ones. But cars with larger engines have higher insurance rates.
  • Your car’s driving history. If you have a bad driving record, insurance companies may refuse to give you insurance. This is because they believe that since you have a history of getting into accidents or making claims, you are more likely to do it again than someone else who doesn’t have a driving history that is as bad.

Ways to Save Money on Car Insurance

Having understood the different things that affect your car insurance rates, you can now look at the ways to save money on car insurance which include;

Find out about the discounts available. These lower your insurance rates and are often easy to get. In 2021 with the coronavirus pandemic, there are covid 19 discounts you could ask for. These provide discounts to customers that are going through financial difficulties due to the pandemic.

Look at multiple car insurance quotes. Always take your time when looking for a new insurance policy; this is to enable you to get a plan that fits your particular needs. It is better to get a few different quotes from different companies because every company has a different way of calculating its rates.

You should bundle your policies. Bundling is one of the easiest ways you can reduce your insurance premium. This is where you buy multiple insurances from the same provider. In that, you can buy both your insurance coverage and your home owner’s policy from the same insurance company hence saving and lowering your car insurance premium.

Compare and Shop Around. It is important to shop around when selecting what insurance company to go with and compare every one of them. This will enable you to obtain the best car insurance quotes. You can do this by calling insurance carriers or looking for auto insurance quotes online. Research as much as you can ahead of time to get the best deal.

Increase your deductibles. This is the most effective way that you can reduce your insurance rates. It is the out of pocket money that you can pay in case of an accident. It is important to set aside a certain amount of your car insurance premium saving to ensure you pay a higher deductible in times of accidents.

Drive less. You can smartly save money on car insurance by reducing your daily commute since the miles you drive impact your insurance rate. Driving less reduces the vehicle’s maintenance costs like gas and repairs. It is easy to do this; you can opt to use public transportation instead or decide to move closer to work.


Car insurance rates increase every year and you can’t predict how much you will be required to pay. However the above steps will help you reduce and ultimately save money on car insurance in 2021.