Myth: My insurance company considered me at fault for my car accident, so there’s nothing I can do.
If your insurance company deems you at fault for a car accident and you don’t agree with the decision, there are a few options available to you. You should speak with the insurance adjuster’s manager to try and resolve the dispute. If you are unable to come to an agreement, the next step is to go through a Claims Assessment Review (CAR), where an external and independent decision-maker will provide an objective decision about fault. If after going through the CAR process, you are still not satisfied with the results, you may dispute in small claims court. A judge will have a final say in fault determination and fault will be adjusted accordingly.
If you have at fault car accidents on your driving record, your insurance rates may increase. You should definitely shop around for car insurance quotes to get a better rate.
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