Insurance companies determine fault in different ways in a head-on collision based on the factors of each unique case. For example, an accident may be more than one driver’s fault if multiple people were negligent at the scene. If an accident was partially caused by someone’s actions, the insurance company will attribute a percentage of the cause of that accident to them. This is called contributory negligence. If a plaintiff is found to be partially responsible for causing a collision, then the amount of injury compensation they are awarded will be lowered by their percentage of fault assigned by a jury.