What To Do After Insurance Accepts Liability

Accepting fault in a personal injury accident is called acknowledging liability.

It means admitting responsibility for the accident’s losses, but it doesn’t guarantee a viable case.

Insurance companies may accept liability concede fault, typically in rear-end or single-vehicle collisions, but policy limits could apply.

Insurance company accepts liability
Insurance accepts liability: Photo source (Sapling)

Who decides who is at fault in a car crash?

Whenever vehicle insurance companies are alerted of an automobile accident, an insurance representative will examine the event and try to put together what happened and who might have been to blame.

Typically, this means:

  1. Speaking with everyone involved in the collision and any witnesses who may have witnessed any portion of the crash
  2. Assessing cars to determine the amount and extent of damage, as well as how those elements may influence fault determination
  3. Examining documents (such as images of the accident scene, police reports, traffic penalties, and medical care records) to see if they lead to a possible cause of the accident.

What is Liability Insurance?

This is a form of insurance coverage that offers defense against lawsuits or claims filed against a person or company for harm or damages to third parties.

Legal fees, settlements, and awards are covered by liability insurance up to the policy’s limitations.

How to Dispute Fault For a Car Accident

The process of disputing a fault finding begins with what you did at the site of the car accident.

Hopefully, you will:

  • Get the names and contact information of the accident witnesses
  • Take photos of the positions of (and damage) to the cars, any accident debris, skid marks, and as many relevant aspects of the scene as you could, and
  • Ask for a copy of any police report that was generated.
  • Getting immediate treatment in case you sustained any injury

How to Utilize Insurance firm’s Fault Dispute Processes

What you need to know if you’ve been in a car accident of any kind and feel that you’re being wrongly (and unfairly) blamed for starting the collision is as follows:

You can be requested to provide a statement or provide an insurance adjuster with your side of the story.

This is in accordance with the internal regulations of some insurance companies regarding disputed fault investigations.

Knowing your rights in these circumstances is crucial because you don’t want to say anything that could limit your capacity to receive compensation should your claim move forward to the stage of a car accident lawsuit.

Getting a lawyer on your side, even if only to provide advice, may make sense if you are contesting liability.

  1. Inform the insurance company right away that you disagree with their determination of culpability and intend to take action by submitting additional evidence and/or clarifying/reframing the current fault picture—both verbally over the phone and in writing via a follow-up letter or email.
  2. When you express your disapproval, an investigation that can result in revised conclusions is often what follows. It at least starts to document your dispute, which could be significant in the future.

How does Liability Insurance Work?

Liability insurance is frequently referred to as third-party insurance. 

Even if the insured party is proven legally accountable, liability insurance does not cover willful or illegal activities.

Basically, everybody who might be sued for damages and/or injuries—purchases policy.

Plans cover both the insured and other parties who may be harmed due to the policyholder’s inadvertent fault.

Assistance from a Vehicle Accident Attorney

Some vehicle accident victims attempt to manage the claims procedure on their own.

Insurance adjusters who “accept liability” following a crash and minimize the necessity for legal counsel frequently lead to these victims.

If you don’t have legal representation, you run a far higher risk of being intimidated or disregarded by an insurance adjuster, especially if they claim to have all the evidence they need to hold you responsible for the accident.

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