If neither party admits fault, then each party will submit a claim to their insurance provider or will make a claim against you. At this point, an insurance adjuster will investigate the accident to determine which party is at fault. They may use police reports of the auto accident, eyewitness testimony, video evidence, and citations issued to make their final determination.
Because the adjuster can access police reports which document your statements, you must never admit fault at the car accident scene. One way to protect your rights is to hire a car accident attorney to advise you on what you should and should not say to the other party’s insurance company.