Determining Who is Liable for a Car Accident with Auto Insurance in RI

When it comes to claiming on auto insurance in RI uses a tort system which means there is a legal requirement for someone to be held liable for every vehicle accident. The insurance company representing the at-fault motorist is responsible for payment of any damages resulting from the accident.

Under this system, determining fault is the most important part of an auto insurance claim. When police have not conducted an investigation of the accident an insurance adjuster will assess the evidence in an effort to determine who was at fault. In cases where there is no clear at-fault driver, the responsibility for an accident will be apportioned accordingly.

Adjusters look for signs of negligence when deciding who is at fault in an accident. Negligence means there was no intent to cause damage, but the driver failed to take the appropriate measures to avoid an accident. Sometimes it can be difficult to apportion the blame, especially when there are conflicting stories from eyewitnesses or those involved.

Auto insurance in RI operates a pure comparative fault system. This means if you injure yourself in an accident that you caused, the amount you receive from damages will be affected. Being aware of this system and taking measures to ensure you drive safely and within the law could help you to avoid an unnecessary claim on your auto insurance policy. With Podmaska Insurance Agency, you can get the coverage you need for your car. Contact us today for more information!