How do insurance companies determine fault in an accident?

Insurance companies in New Jersey often determine the fault of an accident by collecting information from various sources such as the police report, accident reports, and witness statements. They then use this information to evaluate the circumstances and make an assessment on who is at fault for the accident. In most cases, liability will be assigned to one of the drivers involved in the accident. Insurance companies also use a system called comparative negligence to assign fault for an accident. This means that, if both drivers are partly at fault, the insurance company will assign a percentage of fault to each driver. For example, if one driver is found to be 50% responsible for the accident and the other driver is found to be 50% responsible, then the total amount of liability is split between both individuals. The insurance company will also take into account the amount of damage and injury sustained by both drivers when determining the fault of an accident. If it is found that one driver was more responsible for the damage or injury caused by the accident than the other, then the insurance company will assign a greater amount of fault to the driver who is more at fault. Finally, insurance companies also look at the type of insurance coverage that each driver has in place to help determine the amount of fault each driver has for the accident. For example, if one driver has no liability insurance coverage and the other driver has full coverage, then the driver with no liability coverage will likely be assigned a greater percentage of fault than the driver with full coverage.

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