Even when fault for an accident is seemingly clear and obvious—meaning it is so straightforward that you think no sane person could possibly dispute it—there can still be sharp legal conflicts. When money is at stake, parties, including large insurance companies, do not always act in an honest or fair manner. Do not be so sure that you are not going to end up in a dispute over fault even when you know that the accident was absolutely caused by the other party’s negligence. When you suffer an injury in a crash, fault for an accident is going to be determined later on in the claims process—not at the scene of the collision. Even if the police report explicitly assigned blame to the other driver, there could still end up being a dispute over fault.
Summary: Do not assume that everyone is going to agree that you are not at fault. It is not uncommon for disputes to arise, even when the cause of the accident is seemingly obvious. You still need to be prepared to build a comprehensive case that proves the other party’s liability even when fault is clear.