A friend got hit today when she was in the blind spot of another driver. She doesn’t know if she was in the wrong lane or the other driver was not careful either. They exchanged phone numbers. What happens next? Who decides whose fault it is and how?
Flip a coin or rock paper scissors. Loser is at fault.
Nobody. You had to call the police before leaving the scene
Could you please elaborate ?
You call the police. They arrive and write an incident statement, take photos, and you submit that. Else it's almost impossible to assign blame.
If it's not clear the police decide on the spot. If small not worth reporting to insurance and fixing out of pocket. Else insurance will argue and assign blame and charge you through a jump in premium regardless.
No increase in premium if other party is at fault
Haha good luck with that. People that get into accidents are higher risk and thus pay more. Even if you parked car is hit while you aren't in it your risk goes up and so will your premium. It would be weird if it didn't.
You submit a claim to insurance through the insurance app or website. Then they will reach out to you to submit pictures of damage and they’ll contact both parties to listen to their side of the story. Your friend hopefully got license plate and driver’s license of the other party
Never admit fault
If no one involved claims an injury each insurer usually takes care of their own insured’s damage. If either or both insurers think the other driver was at fault typically there is inter-company arbitration. Both insurers submit investigation reports photos and statements and an arbiter decides if there is proof of fault and the responsible insurer pays the other insurer for damages including the deductible.
Should my friend ask for the other person’s insurance? The other person is already calling my friend’s insurance. I think she is trying to put all the blame on her
Was you friend rear ended? If yes, she will not be blamed
Actually no. She was in the blind spot of the other driver and then the other driver changed lanes
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The insurance companies work it out
How do they work it out? They collect statements from both and decide who is at fault?