How do car insurance companies decide who is at fault?

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1. How do insurers decide fault? CALL US NOW (Mon-Fri, 8am – 5pm PST) for a FREE QUOTE The claims handlers at both insurers will try to build up a picture of the accident with evidence to support their policyholder’s version of events. Where the drivers’ stories are disputed, the quality of that evidence can help...
2. Is California a fault or no fault state? CALL US NOW (Mon-Fri, 8am – 5pm PST) for a FREE QUOTE Technically, no, California is not a no-fault state. While an injured driver can still file a claim to the other driver’s insurance and that claim will have to be paid, it doesn’t end there. Drivers in California do...
3. Do insurance companies check where car is parked? CALL US NOW (Mon-Fri, 8am – 5pm PST) for a FREE QUOTE Telematics data will inform your insurer of your driving behaviour, and can also track where your car is parked overnight. So, if it’s not being parked where you have told your insurer it is, they will know. Feb...
4. What happens when you switch car insurance companies? CALL US NOW (Mon-Fri, 8am – 5pm PST) for a FREE QUOTE In general, you won’t be penalized for switching car insurance companies, no matter how often you change insurers. Although most companies will let you cancel for free at any time, waiting until the end of your policy will...
5. Why do car insurance companies ask if you have a criminal record? CALL US NOW (Mon-Fri, 8am – 5pm PST) for a FREE QUOTE Most insurance companies ask about criminal convictions because they believe it is relevant to the risk. … The questions will normally include the convictions of everyone covered by the policy, such as children or a partner. If you...
6. How do car insurance companies pay out claims? CALL US NOW (Mon-Fri, 8am – 5pm PST) for a FREE QUOTE If your claim is approved, you’ll receive payment for the amount of the loss as determined by the insurance company. Depending on what the insurance claim entailed, you might receive the payment or the insurance company might send...