Determining Fault for Car Insurance Settlements
The police report plays a key role in helping insurers figure out what happened. Because the police's official version of what transpired is more reliable than the versions of those involved (which may conflict with one another and reflect personal biases), insurers use the police report to get a clear idea of who erred. In other words, this report can break the my-word-against-yours tie.
Evidence you gather:
On top of calling police to the accident scene, the evidence you gather can help your insurer calculate the degree of fault. Take photos and get info from other drivers and witnesses. This will help support your case and give your insurer the info they need.
Avoid admitting fault at the scene
When you're cooperating with the police and exchanging info with the other driver or drivers, avoid admitting fault. State the facts as you see them. The true cause of your accident may be something you're unaware of, like a driver who suddenly slammed on the brakes, causing a chain reaction that led to your accident.
Even if you think you're the faulty driver, let the authorities and your insurer reach that conclusion objectively.
Once you have established you are not at fault, a diminished value claim can be pursued.
