When you’re involved in a car accident, one of the initial questions that arises is: Who was at fault? While it may seem straightforward, determining fault in an auto insurance claim can be somewhat more intricate than it appears. At Amerisent Insurance, serving the greater Las Vegas, NV community, we’re committed to helping our clients understand how these decisions are made and what they mean for their coverage.
Deciphering Fault in Simple Terms
In the realm of insurance, "at-fault" refers to the individual who instigated the accident, either entirely or partially. This determination isn’t always clear-cut. At times, both drivers may bear some responsibility. In such instances, fault is apportioned based on the percentage of blame—a concept known as comparative negligence. For example, one driver might be 70% at fault while the other is 30%. These percentages can directly influence how insurance payouts are managed.
The Importance of Determining Fault
Being found at fault can impact your insurance in several ways. It may affect whether your insurance covers the damage to your vehicle, the amount of your deductible, and whether your premium might increase. Each state has its own regulations about how fault impacts claims, which is why collaborating with a local provider who understands Nevada’s laws is crucial.
Guiding You Through the Process
At Amerisent Insurance, proudly offering auto insurance to residents in and around Las Vegas, NV, we’re here to assist you through every step of the claims process. Understanding how fault is determined can help you make informed decisions after an accident. If you have questions or need help reviewing your current policy, don’t hesitate to contact us. We’re dedicated to keeping you informed, protected, and confident on the road.
