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    The basics of not-at-fault accidents

    Consider this: You’re coming up to a stale yellow light at a busy intersection, so you know it will be turning red soon — possibly, before you even reach the intersection. The same vehicle has been behind you for a while, and you’ve noticed that the driver keeps looking down as if checking his cellphone. He’s distracted. Because the light has been yellow for some time, you decide to stop, just as it turns to red. The driver behind you crashes into the back of your vehicle.

    How to determine fault in a car accident

    In general, fault is determined by your state’s definition of “negligence.” Insurance companies often obtain statements from the parties involved, review scene photos, interview witnesses, as well as review the police report to gain an understanding of what occurred in order to decide who is at fault. However, keep in mind that the insurance company’s decision may differ from police findings.

    Car insurance in most states is considered fault-based. This means that the person who is at fault would be responsible for paying for the damage to property and other vehicles, as well any medical expenses, if applicable. However, car insurance in some states is not fault-based. In these states, all drivers are required to carry what is known as personal injury protection (PIP). Although property damage may remain “fault-based,” the cost of medical expenses is sometimes covered by the car insurance company of the vehicle owner or driver. However, one could also make a bodily injury (BI) claim against the at-fault driver.

    This information does not, and is not intended to, constitute legal or financial advice. You should contact a professional for advice specific to your situation.

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    American Family Insurance is our brand name. Auto policies are underwritten by American Family Connect Property and Casualty Insurance Company, American Family Connect Insurance Company, or Midvale Indemnity Company, Madison, WI. Property policies are underwritten by Homesite Indemnity Company, Homesite Insurance Company, Homesite Insurance Company of California, Homesite Insurance Company of Florida, Homesite Insurance Company of Georgia, Homesite Insurance Company of Illinois, Homesite Insurance Company of New York, Homesite Insurance Company of the Midwest or Homesite Lloyd's of Texas, Boston, MA. American Family Connect Insurance Agency, Inc., places policies with related and unrelated companies. In Texas, certain property coverages may be underwritten by Ranchers & Farmers Mutual Insurance Company. Each company has sole financial responsibility for its products. Products, pricing, discounts, benefits, and availability vary by state and may be subject to change. Exclusions apply.

    Costco Insurance Agency, Inc. is not licensed in New York state. Insurance products are not obtained through the Costco Insurance Agency, Inc. in New York. Costco Wholesale, Costco Insurance Agency, Inc. and its subsidiaries do not underwrite insurance, pay claims or guarantee any of the products or services. Costco Insurance Agency, Inc. (CIA), a licensed insurance agent, may receive compensation.

    This article is for informational purposes only and based on information that is widely available. We do not make any guarantees or promise any results based on this information. We are not responsible for the content of any third-party sites that may be linked in this article. This article does not afford, offer, or guarantee any coverage.