Totaled Supra and new to the forum

TabuSoro · 01-26-2012, 11:38 PM

I'm concerned with whether I am deemed at fault or not in the mind of the insurance companies. There was no drugs or alcohol. I'm only 20.

How is fault determined by the insurance companies? Do you know?

cre · 01-26-2012, 11:58 PM

They are not bound by the court's ruling in anyway in any locale that I'm aware of; Not entirely anyway. Generally they operate based on a collection of both test and real-world accident data including but not limited to crash tests, police reports (from previous incidents, not limited to accident reports in that vicinity... not just cases you were involved in), local driving demographics, age of all parties involved (including passengers as they may present a significant distraction), weather conditions, estimated speed of the vehicles involved at the time of the collision, the state of the vehicles including any modifications and so on. Liability is assessed by an adjuster assigned to your case. Cases involving personal injury claims often get far more complex. Some states do limit liabilities under certain circumstances and again you may wish to contact a local attorney for any specific advice.

cre · 01-27-2012, 12:20 AM

You will find CA specific legal statutes here:
http://www.leginfo.ca.gov/calaw.html

Vehicle Code:
http://www.leginfo.ca.gov/cgi-bin/ca...ebody=&hits=20

Street and Highway Code:
http://www.leginfo.ca.gov/cgi-bin/ca...ebody=&hits=20

Insurance Code:
http://www.leginfo.ca.gov/cgi-bin/ca...ebody=&hits=20

TabuSoro · 01-27-2012, 05:46 AM

Quote:

Originally Posted by cre

You will find CA specific legal statutes here:
http://www.leginfo.ca.gov/calaw.html

Vehicle Code:
http://www.leginfo.ca.gov/cgi-bin/ca...ebody=&hits=20

Street and Highway Code:
http://www.leginfo.ca.gov/cgi-bin/ca...ebody=&hits=20

Insurance Code:
http://www.leginfo.ca.gov/cgi-bin/ca...ebody=&hits=20

Thanks man, I appreciate that.

01-26-2012, 11:58 PM	#2
cre Toyota Racing Development Join Date: Apr 2007 Posts: 5,038	They are not bound by the court's ruling in anyway in any locale that I'm aware of; Not entirely anyway. Generally they operate based on a collection of both test and real-world accident data including but not limited to crash tests, police reports (from previous incidents, not limited to accident reports in that vicinity... not just cases you were involved in), local driving demographics, age of all parties involved (including passengers as they may present a significant distraction), weather conditions, estimated speed of the vehicles involved at the time of the collision, the state of the vehicles including any modifications and so on. Liability is assessed by an adjuster assigned to your case. Cases involving personal injury claims often get far more complex. Some states do limit liabilities under certain circumstances and again you may wish to contact a local attorney for any specific advice. __________________ If something breaks or you need to contact a member of the administration please post HERE. Unless it's a private or administration matter please post it on the forum. It benefits no one else if car related questions aren't posted for future users and takes away from the time I'm able to spend helping on the rest of the forum. If you're so inclined I'm always more than happy to accept tips via PayPal. Tip Jar ---> Last edited by cre; 01-27-2012 at 12:00 AM. Reason: added clarification

01-27-2012, 12:20 AM	#3
cre Toyota Racing Development Join Date: Apr 2007 Posts: 5,038	You will find CA specific legal statutes here: http://www.leginfo.ca.gov/calaw.html Vehicle Code: http://www.leginfo.ca.gov/cgi-bin/ca...ebody=&hits=20 Street and Highway Code: http://www.leginfo.ca.gov/cgi-bin/ca...ebody=&hits=20 Insurance Code: http://www.leginfo.ca.gov/cgi-bin/ca...ebody=&hits=20 __________________ If something breaks or you need to contact a member of the administration please post HERE. Unless it's a private or administration matter please post it on the forum. It benefits no one else if car related questions aren't posted for future users and takes away from the time I'm able to spend helping on the rest of the forum. If you're so inclined I'm always more than happy to accept tips via PayPal. Tip Jar --->

01-26-2012, 11:38 PM	#1
TabuSoro Stock Join Date: Jan 2012 Location: Sacramento, CA Posts: 5	I'm concerned with whether I am deemed at fault or not in the mind of the insurance companies. There was no drugs or alcohol. I'm only 20. How is fault determined by the insurance companies? Do you know?