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Auto Insurance Claims/How to determine the fault?

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Expert: Bennie719 - 3/24/2008


Question
Hi! Does the insurance paying compensation mean and admit their insured was at fault and the insurer has taken the responsibility? If no, why should the insurer be willing to pay compensation on behalf of their client assuming their client did not file any claims with the other driver's insurance?


Answer
Hi Ray,
If the other insurance company is willing to compensate you for your car damage and/or injuries, that means that they have determined that their client was at fault.  This determination would have been made by a combination of their clients statement, any police report or witnesses and their own investigation of the accident.
I hope this information is of help.
Your feedback by rating my answer will be appreciated.
Sincerely,
Bennie
San Francisco Bay Area

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Bennie719

Expertise

I have extensive knowledge in Personal Auto, Homeowners Insurance and Personal Umbrella coverage. I am also thoroughly familiar with claims handeling procedures. Will answer questions related to the above.

Experience

Experience in the area: Served as an expert at askme.com from 7/2000 thru 10/2002 in the catagories of general insurance, auto and home insurance. Answered 422 questions before that site closed. Licensed in California since 1961, first in Life and Health for 2 + years and as a Property/Casualty Agent/Broker since 1964. I sold my business and took early retirement in 1998. Still maintain a valid California Property/Casualty Agent/Broker license. I have been a volunteer at allexperts.com since 2002. I can provide assistance in the following fields: Property and Casualty Insurance, Insurance Law, Auto Insurance Claims.

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