How does the insurance company determine fault in an accident?

In Colorado, insurance companies are responsible for determining who is at fault for an accident. This process is known as deciding liability. When an accident occurs, the insurance company will consider a variety of factors to determine who is at fault. First, the insurance company will look at the specific facts that occurred during the accident. They may review police reports, accident reports, and witness statements to determine who has liability. They will also look at the laws that applied during the accident, such as speed limits, right of way, and any other relevant laws. Insurance companies will also look at the actions of each driver before and during the accident. They will determine whether each driver was following the rules of the road and whether they drove recklessly. If one driver was negligent, they will likely be found at fault. Finally, the insurance company will consider the type of damage done to each vehicle and the severity of the injuries to each driver. If there is clear evidence that one driver was at fault, they will assign liability to that driver. If the evidence is not clear, they may split the liability between both drivers.

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How does the insurance company determine fault in an accident?

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