Simply Explaining Insurance #60- Who's at Fault?

One thing insurance companies care greatly about is who was at fault or who is liable. This comes into play in almost all types of claims, especially auto insurance claims. This podcast helps explains how fault is determined. I also discuss what steps you should take if you are in an accident on a public road and on private property, such as a parking lot.

There are 12 states that are considered “no-fault” states and I don’t do into that type of coverage here. Essentially, in those states, your own auto policy will pay for medical and property damage from your own policy.

In all other states, the insurance companies try to determine whose fault it was in accident, thus determining which insurance policy will pay out on the claim.