How do insurance companies determine fault in a car accident in Florida?

Contact Us Today!
insurance company insurance adjuster person taking picture of damages to car

Following a car accident, it can be challenging to determine who is at fault for the accident. It is common for victims to be overwhelmed by the traumatic incident which causes them to be unable to recall the circumstances that led up to the collision. This can make it difficult for the appropriate parties to determine fault. If you have been injured in a car accident, you may be wondering how insurance companies determine fault. Essentially, insurance companies investigate the circumstances of the accident to figure out what caused the accident to occur. Unfortunately, in most cases, car accidents are caused by driver error and negligence. Please continue to follow along to learn how insurance companies determine fault in a car accident and how a trusted Port St. Lucie Car Accident Lawyer can help you navigate interactions with insurance adjusters. 

What factors do insurance companies evaluate to determine fault in a car accident?

After a collision, insurance companies assess the circumstances of the accident to determine fault. They will review the facts of the collision with a fine-toothed comb to determine who was negligent. They will do so by:

  • Obtaining and reviewing police reports
  • Assessing photos and videos of the reported damages
  • Conducting interviews with motorists and witnesses

Once they have investigated the circumstances of the accident, they will have a better understanding of who was negligent. Moreover, it is critical to note that Florida is a no-fault state. This means motorists must obtain personal injury protection insurance (PIP). Regardless of who is at fault for a collision, this type of insurance will help pay for your damages and medical expenses.

Should I speak to an insurance adjuster after a car accident?

If you have been injured in a car accident, an insurance adjuster will likely approach you with several questions regarding the circumstances of the accident. Although an adjuster may seem sympathetic to your situation, they are not on your side. Adjusters work for insurance companies. Their job is to investigate the circumstances of an accident to determine fault and minimize the costs the insurance company has to pay. Adjusters will offer you a lowball settlement to quickly settle your case before you are aware of how much your claim may be worth. It is important to never accept a settlement from an adjuster without speaking with a lawyer. It is imperative to understand that anything you say to an adjuster can be flipped and used against you later on which could hurt your case. Essentially, adjusters will try to discredit your claim. It is in your best interest to refrain from speaking with an insurance adjuster until you have consulted with a lawyer.

In the unfortunate event that you have been injured in a car accident, it is imperative to acquire the right legal representation. Please don’t hesitate to reach out to one of our determined and trusted lawyers. Our firm is committed to helping our clients achieve favorable results.