How do insurance companies determine fault in an accident?

In Florida, fault for an accident is determined through a process called comparative negligence, which involves assigning percentages of blame for the accident to each party involved. Insurance companies use the facts of the case and relevant legal precedents to determine who is at fault. For example, if two vehicles are involved in an accident, the insurance companies will gather information regarding the circumstances of the accident, such as the speed of the vehicles, any road conditions, and the events leading up to the crash. The insurance company may also review physical evidence, such as skid marks, vehicle damage, and witness accounts to help determine fault. Next, the insurance companies compare the facts of the case to legal precedents, which are previously established rulings from a court of law for similar cases. Based on these precedents, the insurance companies will assign a percentage of fault to each party involved and adjust the insurance coverage accordingly. Finally, the insurance company must methodically document their investigation and findings to ensure the process was thorough and impartial. Through this process, insurance companies can determine the fault of an accident and take the necessary measures to make sure all parties are properly compensated.

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How do insurance companies determine fault in an accident?

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