What Happens When Parties Dispute Who Is At Fault For an Accident?

Understanding the Process When Fault is Disputed After a Car Accident

Dealing with a car accident can be stressful without determining who was at fault. When the parties involved disagree on fault, it can lead to a lengthy claims process. Main Street Independent Insurance Agencies Inc., serving the greater Ft. Worth, TX region, is here to guide you through what happens when fault is disputed after an accident.

Accident Investigation

If fault is disputed, insurance companies will conduct a thorough investigation to determine liability. They will gather evidence such as police reports, photographs, dash cam or cell phone footage, and eyewitness statements. Insurance adjusters will analyze the damage to the vehicles and recreate the accident scene. Their goal is to establish a clear picture of how the accident occurred and which driver was primarily at fault.

Settlement Negotiation

Once insurers complete their investigations, they will share their findings and negotiate a fault agreement. If they cannot reach an agreement, the case may go to arbitration, where an impartial third party will review the evidence and assign fault percentages. The aim of arbitration is to resolve the dispute quickly without going to court.

Litigation

If arbitration fails to determine fault, either party may file a lawsuit. Now, fault will be decided through extensive legal processes, such as depositions, discovery, expert testimonies, and eventually, a trial. Litigation can be more time-consuming and expensive than arbitration or a negotiated settlement.

Securing the Right Auto Insurance

Having the right insurance before an accident makes a significant difference if you’re ever involved in one. Contact Main Street Independent Insurance Agencies Inc., serving the greater Ft. Worth, TX area today. Our experienced team can help you find the right insurance, ensuring you get the best resolution if you’re ever in an automobile accident.