Insurance Adjuster Looking at Damaged VehicleAfter a car accident occurs, the at-fault driver must be determined so the drivers' insurer knows how to proceed with the claim. Sometimes it's simple to determine who caused the accident, which helps speed up the claims process. Other times, there may be a debate about who is at fault. So how do insurers determine who's liable for the accident?

SGI will gather as much evidence about the accident as possible to help determine what happened. This includes first-hand accounts from the drivers involved and any witnesses, pictures of the damages and the police report that documents the accident. The police report is often seen as a more reliable resource than a first-hand account because they tend to rely more on fact and less on emotion.

With this information, SGI can make an informed decision about who caused the accident, even if it turns out that both drivers share the liability. Whatever the outcome, the driver who caused the accident is liable for the damages done to the other driver. The insurance of the at fault driver is typically responsible for paying the other driver, who may need compensation for car repairs, medical bills, lost wages and other losses.

If you're involved in an accident that was deemed to be your liability, SGI will reevaluate your auto insurance rates. You may not see a dramatic difference if you have a clean driving record with few incidents. However, if several incidents have occurred recently, there's a chance your rates may increase following the accident. The best way to ease your rates back down is to drive safe and stay accident free.

Stay safe on the road. Call Heritage Insurance Ltd at (800) 667-7640 for a Moose Jaw SK auto insurance quote.
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