In almost all car, bike or motorcycle accidents, it is important to be able to prove who carries the car accident liability. In other words: who made the mistake or was negligent.
It may be obvious to all parties involved who was at fault in an accident, but just saying so is often not enough for insurance companies. You can make a stronger argument to your insurance provider if you can support your side of the story with evidence or "official" support. What follows is a short list of things that can be used to make your argument.
Police do not always come to the scene of an accident, but if they do, the police officer will probably have to make some sort of official police report about the accident. Police officers generally show up to accidents that involve injuries, but they often stop at non-injury accidents as well. If they do show up at your accident, be sure to ask the officer how to get a copy of the police report once it is filed.
Sometimes police officers do not show up to the scene of an accident at all, though. In cities and places where police resources are slim, it is often left up to the parties to the accident to report it to the police station closest to the accident. After filing a police report this way, investigators may pick up your report and conduct their own inquiries. You can obtain copies of these reports in much the same way as mentioned above.
Police reports are really just the written recollections and thoughts of the police officer that studied the accident. These reports often contain great evidence about car accident liability, such as the police officers opinion that one car must have been speeding based on the officers observations about the length of the skid-marks on the pavement. In addition, police officers will also often indicate whether or not they issued any traffic tickets at the scene of an accident.
No matter how much detail the police report contains, it can be one of the most important pieces of evidence that you present to your can insurance company. Insurance companies may drag their feet about issuing car accident liability reports without first obtaining a copy of the official police report.
Sometimes the information provided in a police report may be inaccurate. Fortunately, it’s possible to amend a police report in certain circumstances. While amending a factual error in a report is a relatively simple process, amending a disputed fact, such as who was at fault, is typically much more difficult.
Police, like everyone else, sometimes make mistakes. If the mistake involves a factual error, like incorrect vehicle or insurance information, you can generally amend the police report to reflect the correct information. You’ll just have to show the police proof of that information.
On the other hand, amending a disputed fact, like a fault determination, is a lot more difficult. Police departments often have different procedures for objecting to a report. You should contact your local department to learn about the appropriate next steps. In many cases, that may involve simply adding your statement to the accident report. While it’s difficult to overcome a fault determination, it’s not impossible. You should consult with an accident attorney to determine the strength of your case.
State traffic laws, often called the vehicle code, are also a great place to find support for your argument that the other driver was at fault in the accident. These laws are often condensed down into a simple-to-read "Rules of the Road" document. You will probably be able to find a Rules of the Road booklet at your local DMV.
If you want to, you can also find many full vehicle codes online at various state government websites and at many public law libraries (and in FindLaw Codes). The online version of vehicle codes can be very helpful as many have directories and search functions built in that will allow you to find the relevant code sections quickly and easily.
After you have found the right code section that applies to your accident, you are in a better position to negotiate with your or the other drivers insurance company. For instance, a code section relating to yielding the right of way may be useful for an accident that occurred at a merger. Make sure to write down or print a copy of the exact wording of the code section, as it wont help you to cite a law in the wrong form to an insurance company.
There are certain kinds of automobile accidents than will almost always be one drivers fault and not the other. In these situations, insurance companies rarely argue about which driver is responsible and will most likely attempt to settle immediately.
Rear end accidents are one of the most common types of automobile accidents. If a car has hit you from behind, it will almost never be your fault, even if you were stopped. One of the most basic rules of the road is that you are supposed to leave enough room in front of your car to be able to stop should the car in front of you make a sudden stop.
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