Does Auto Insurance Determine Fault? 
Ibelievethe question you are asking is does your auto insurance carrier determine fault in the event of an accident . The quick answer is yes they do . Auto insurance claims departments will gather all the information on an accident which include recorded statements from both parties . Pictures and police reports if possible and may even investigate the scene and vehicles in questions . Based upon this information the involved insurance companies will then determine fault in an accident . A letter will be sent to theinsuredsstating the final determination of the accident . Should the insure disagree the insured has 30 days to file a dispute for further review . 