How does the insurance company determine fault in an accident?

When determining who is at fault for an accident in New Jersey, insurance companies look at the relative degree of fault of each driver involved in the accident. The severity of each driver’s actions or negligence is considered, as well as any applicable laws. A number of criteria will be assessed. This includes traffic laws such as speed limits, right-of-way laws, and any other applicable laws relevant to the accident. It also looks at the actions taken by the drivers leading up to the accident, including whether either driver was driving recklessly or under the influence of drugs or alcohol. The actual physical events of the accident itself are also taken into consideration. This includes whether any vehicle defects contributed to the accident, whether the vehicles were involved in a chain reaction, and whether distractions such as mobile phones were a factor. The final factor in determining who is at fault for an accident is the relative degree of fault for each driver. If one driver made a slight mistake that had no real consequences, and the other driver was driving recklessly, then it is much more likely that the second driver will be deemed at fault. Therefore, an insurance company can determine the fault of an accident in New Jersey through assessing the relative degree of fault between the drivers involved, as well as analyzing their actions leading up to the accident and any applicable laws.

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How does the insurance company determine fault in an accident?

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