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inlarry t1_jeg0djv wrote

Reply to comment by mystic3030 in Is this normal after an accident? by Impossible-Cry-495

Trust me, I worked in insurance for 5 years. The company determines fault - not the police report. Unless a driver is cited for a violation in regard to the incident, the report means nothing to the insurer when it comes to their determination of fault. I can't tell you the number of people who'd come or call "but the police report says the other person was...", Doesn't matter - the companies decided differently, now pay up.

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mystic3030 t1_jeg1y3t wrote

Good for you. 🤷‍♂️ No police report I’ve had from an accident stated who is at fault. No one said it did either. It states what happened and if someone was cited for something. The insurance company uses it along with photos and damage assessment to determine fault. They ask for a police report every time you make a claim.

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