If the injured person was also careless, his or her compensation may be reduced by the extent that such carelessness was also responsible for the accident. Making a Successful Insurance Claim Liability insurance covers nearly every motor vehicle on the road, and when it doesn't, your own uninsured motorist policy usually covers you. Making a successful insurance claim usually comes down to nothing more complicated than clearly explaining to an adjuster, in plain language, how the other driver's carelessness caused the accident.
Insurance companies settle most liability claims without anyone ever stepping into a courtroom.
So, when you negotiate with an insurance adjuster, you do not have to provide legally perfect proof that the insured was negligent and that the negligence caused the accident. To get the insurance company to pay, you only need to make a reasonable argument that the insured person was at fault, even if there is also a somewhat plausible argument cutting the other way. In many instances your instincts will tell you that the other driver was driving carelessly, but not what rule or rules the other driver violated. There are a number of places to look for such support. If the police came to the scene of your accident, particularly if they knew that someone was injured, they probably made a written accident report.