With Nevada being a fault state, insurance companies consider all the available evidence when determining who is at fault in an accident. With car accidents specifically, insurance carriers consider the following: Statements by the drivers, passengers, and eyewitnesses; Police reports; Photographs of the property damage; Video surveillance footage: Smartphone footage by eyewitnesses; Accident reconstruction expert opinions (in rare cases); Weather reports; Road inspections; and/or Reports from the mechanics who last serviced the vehicles.