For every crash, we carefully investigate to determine who is at fault, or responsible. Your adjuster will help explain the responsibility assessment to you. If you have any questions, we're here to help.
Learn how we assess responsibility and see common crash examples.
If you're determined responsible for a crash, find out what your insurance covers and how it may be affected.
If you're determined not responsible for a crash, find out what is covered by your insurance and the at-fault motorist's insurance.
If you're found partially responsible or fault can't be determined in your crash, find answers to common questions.
If you're at fault in a minor crash, it may make financial sense to repay the claim so it won't affect your premium.