determining fault after an accident

How Fault is Determined After a Car Accident

Find out how your insurer determines fault.

It’s no secret that getting into a car accident will affect your auto insurance in Plano, Texas.  While most car accidents are unintentional, there is still a need for your insurance provider to determine which driver was technically at fault.  Here are some of the factors that your insurer will take into account when determining fault.

Official Police Report

After an accident, the official police report of the incident plays the most significant role in how your insurer declares fault.  Insurance providers rely so heavily on this report because it tends to be more reliable and less biased than the accounts of the drivers who were actually involved in the accident.

Your Evidence

While the police report is important, this isn’t the only factor that your insurer will take into account.  They will also take the evidence that you provide into consideration.  For instance, your account of the accident, the photos you take of the crash site, and the photos of your car can help your insurer determine degree of fault and help them flesh out exactly what happened.


It’s important to remember that your insurer will work hard to determine fault accurately and objectively.  In the meantime, you should make sure that you do not admit fault for the accident.  While you should cooperate fully with the police and the other driver, you should not elaborate more than you are asked to.  Even if you are sure that you are at fault, let the police determine this for themselves.  It’s quite possible that the accident was actually caused by something you were unaware of.

These are the factors that your insurer will consider as they attempt to determine fault.  Do you have more questions regarding your auto insurance in Plano, Texas?  Then contact us at Tri-Star Insurance/HUB International.  We are ready to assist you with all your insurance needs.