Car insurance glossary
What is fault determination?
Fault determination is the evaluation of who was legally responsible for an accident and in what proportion.
Also called: accident liability decision
Glossary date: July 20, 2026
How it works
Insurers consider available evidence and state negligence rules. A traffic citation can matter, but it may not decide the insurance outcome by itself.
Example
Both drivers change lanes at once. Photos, damage locations, statements, and local traffic law help determine whether they share fault.
Why it matters
The decision can affect liability payments, deductibles, recovery, and pricing where allowed.
What to check on your policy
Provide evidence promptly and request the facts and rule used in the decision if you disagree.
Related car insurance terms
Put the terms into context
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