After an automobile accident, it’s vital to know who was at fault in the incident. Not only could it impact the at-fault motorist's driving record, but it will affect the payment of car insurance claims, as well. Here’s a brief guide to help you understand the process. 

How Do Authorities Assign Fault in Auto Accidents?

Clear Moving Violations

If one driver was clearly violating a traffic law, the officer assigned to investigate the accident will likely assign fault to that motorist. For instance, if a driver failed to stop at a red light or traffic sign, that driver will almost certainly shoulder the blame for any collision.  Other violations include failure to yield, reckless driving, and in some jurisdictions, even speeding.

No Doubt Liability

Some situations are so common that, even if no traffic law has been broken, authorities and insurance companies usually agree on the party at fault. For instance, in the case of a rear-end collision, the driver of the rear car is normally assigned fault. It’s their duty to maintain enough distance between themselves and the car in front of them so they can stop in time, even if the leading vehicle brakes suddenly. Similarly, when a car at an intersection turns left in front of an oncoming vehicle, the turning driver shoulders the blame in the eyes of both police authorities and car insurance companies.

Officer Investigation

When the situation is less clear cut, an officer must conduct an onsite investigation, interviewing the involved parties, speaking to witnesses, and examining the surrounding area — including blind spots, traffic signals, and tire marks. They will then assign fault to one, both, or neither of the motorists according to the situation.

If an auto accident has affected your car insurance rates or you need help designing a new policy, contact Dewey Beckner with Allstate Insurance Companies in High Point, NC. He and his team have been serving Guilford County for more than 20 years, specializing in auto, home, business, and life insurance. They’re dedicated to finding a policy that provides adequate coverage at a price that meets your budget. Visit their Facebook page to view location details and office hours or call (336) 884-5636 to request a car insurance quote today.