In many cases, it can be difficult to ascertain exactly whose fault a car accident was. While some people have the tendency to immediately blame the other person or other people involved, others feel the need to apologise profusely even before they’re sure who was really at fault. Insurance companies always advise that you should never admit blame, even when you’re almost certain you caused the accident; in some cases, it’s even a condition of your policy. It may seem callous, but the reason for this is that it can be very difficult for the drivers involved to assess exactly what happened and why.
How do insurance companies decide whose fault it was?
Although it’s important not to admit blame or apologise, there are certain indicators which can suggest which driver was mainly (or entirely) to blame. If one driver has violated the law or been negligent in any way, this would suggest that the accident was their fault. Negligence can mean running a red light on purpose, forgetting to indicate or even simply forgetting to wear the glasses they are legally obliged to wear when driving. The traffic system is designed so that there should be no accidents as long as everyone is driving as they should. More often than not, one driver’s negligence will be involved.
Another indicator is that a driver who hits another vehicle from behind is usually to blame, despite the actions of the driver in front. The law states that a driver should leave enough space in front of their car so that the driver in front is able to stop in an emergency without them running into their vehicle. If none of these things seem to have caused an accident, insurance companies may examine photographs or look at witness statements.
What if I was in a car crash that wasn’t my fault?
If your car has been damaged in a collision with another vehicle which wasn’t your fault, the other driver’s insurance should cover your damages without affecting your premium. If you have been injured in the accident, you may also be entitled to compensation. Here at Accident Advice Helpline, we can help you to find out if you are. Our lines are open 24/7 and we also have a handy 30-second online claim calculator that will give you a good idea of whether or not your claim is valid. Esther Rantzen, our patron, guarantees that you will be under no pressure to make a claim and that claims are made on a no win no fee* basis.
To get started on your personal injury compensation claim, give us a call for free on 0800 689 0500 from a landline or on 0333 500 0993 from a mobile phone.
Date Published: November 17, 2013
Author: David Brown