After a car accident, you might walk away assuming that you did nothing wrong; therefore, the other guy is at fault.
Unfortunately, determining fault is not as simple as your word. Instead, an insurance company and law enforcement assess the accident site and the factors surrounding the case to determine who is at fault.
Even more surprising is the fact that you and the other driver might both be at fault. When that happens, contributory negligence laws will take over and your compensation value decreases based on how much fault is apportioned to you.
To determine fault appropriately, including whether you are at fault or the other party, you need to know the processes used and your state’s requirements.
When you hear the term “fault,” you are dealing with the insurance’s assignment of liability. That means the insurance claims adjuster will investigate the accident and see which party is liable. The liable party is the financially responsible party.
A claims adjuster investigates after you report the accident to your insurance company. They determine who is at fault. And even if they work for your insurer, they can find you liable.
The adjuster reviews all of the evidence, including the police report. Sometimes the police report will indicate who caused the accident or any citations issued to point the adjuster in the right direction.
While your claims adjuster gets the final say on whom they feel is at fault, there are instances of no-doubt liability. These types of accidents almost always have the same party assigned fault; therefore, they are relatively easy to wrap up for a claims adjuster.
These instances include:
In most cases, the party that rear-ends another car is at fault. Unless the leading car’s carelessness contributed to the accident, the vehicle that rear-ends was following too close and not exercising caution. In this case, insurers would find them liable.
As stated before, you could be liable even if you are rear-ended by another car. For example, your brake lights were out, which made it impossible for the following car to see you slow or come to a sudden stop.
Another example would be when you cut off a driver and then hit the brakes. In this case, you already cut the other vehicle off, giving them little time to put space between the bumpers.
When you are driving straight through an intersection and the vehicle coming in the opposite direction turns left in front of you, resulting in a collision, it is usually their fault.
The rules can change for these types of accidents, and you could be at fault if you:
Lastly, a claims adjuster will consider all the factors and how each party contributed to the accident. Questions they might ask themselves include:
In Illinois, the modified comparative negligence laws apply when both parties are at fault.
Using the modified rule, the courts would consider the degree of fault by the plaintiff and compare that to the defendant. As long as you are under 51 percent at fault, you can still collect compensation. If you are more than 51 percent, the court bars you from filing a claim.
Furthermore, the percentage of fault assigned to you will deduct from your compensation.
For example, you are awarded $100,000 but you are also found 25 percent at fault. In this case, your $100,000 would be reduced by 25 percent – or $25,000. Therefore, you would only receive $75,000.
If you were involved in a severe car accident, the last thing you should worry about is who is at fault or fighting the insurance company when they try to put part of the blame on you.
Instead, speak with an accident attorney to explore your rights and get the compensation you deserve. Contact the team at Malman Law today by calling our office or requesting further information online.