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Responsibility or fault

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.

How we assess responsibility in a crash

Learn how we assess responsibility and see common crash examples.

If you are at fault

If you're determined responsible for a crash, find out what your insurance covers and how it may be affected.

If you are not at fault

If you're determined not responsible for a crash, find out what is covered by your insurance and the at-fault motorist's insurance. 

Shared or undetermined fault

If you're found partially responsible or fault can't be determined in your crash, find answers to common questions.

Estimate the impact of a claim on your premiums

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.

 

Quick links

  • If you disagree with your adjuster’s assessment, find out how to appeal.​