How Insurance Companies Determine Fault
When it comes to auto accidents, fault is one of the most important factors in negotiations with your insurance company. Auto accident fault laws vary from state to state. The state of Indiana is a “tort” law state, meaning that in the event of an automobile accident, if fault is attributed to one person, the other person may file suit against them or their insurance company for compensatory damages. Fault is determined using a system known as Proportional Comparative Fault at 51%.
If you are in need of auto insurance but are unsure of who has the best policy for you, call the Indiana auto insurance specialists of Insure on the Spot. Our friendly representatives can help find the right insurance policy at the right price for you. Contact us today at 888-972-SAVE.
Proportional Comparative Fault
Every state varies when it comes to liability for car accidents. Some states do not recognize any relative fault for car accidents, so if one person is determined to have contributed at all to their car accident, they are not entitled to any coverage for their injuries from the other person. In Indiana, the fault for accidents, and therefore the level of compensation from the insurance company, is done comparatively. Here’s how it works:
- The claims adjuster for the insurance company determines how relatively “at fault” you are for the accident based on the circumstances
- If you are determined to be under 51% at fault, you are eligible to file suit against the other driver or claim compensation from your insurance company if the other driver is not covered
- How much you are compensated depends on the percentage of fault involved. If you are 10% at fault, your compensation will be reduced by that amount
Proportional fault rules can be confusing, but having the right car insurance coverage can provide you with the financial protection you need in the event of an automobile accident.
Contact Us
If you are seeking an auto insurance policy that will give you the coverage you need at a reasonable price, the Indiana auto insurance specialists of Insure on the Spot can help. To speak with one of our knowledgeable insurance representatives, contact us today at 888-972-SAVE.
