In the event that each involved person has car insurance, the incident will be reported to and investigated by each insurance company. It is not uncommon for inconsistencies to arise in the story that each driver reports to their insurer. If the events in question are disputed, the process of establishing fault will be delayed. Mere involvement in a collision, fault aside, can cause an uptick in insurance coverage costs. Though no one wants to be found at fault for their accident, those responsible for the accident should be recorded as such. The best way to protect yourself in the midst of a complicated insurance dispute is to make sure that you have a lawyer representing you.