Points on your driver’s license and increased insurance rates may be the least of your worries when the insurance companies come into play after an accident. When you’re looking to an insurer for help after a car accident, the process can get more complicated when you exceed your no-fault insurance.

Assigning blame for the crash plays a big part in how much money you might be able to claim in the process. The first step when an insurance company catches wind of the accident will be to determine who’s responsible for the wreck.

At-fault

Your insurance company will take a look at the accident and determine fault. You may not be looking at a favorable settlement if they find you over 50% responsible for the accident and pay out more than $1,000 for claims. There are 31 different instances where your insurer might consider you at-fault like:

·         Colliding out of your lane, on the wrong side of the road or in the wrong direction

·         Contact while merging onto the highway, pulling a U-turn or failure to yield at an intersection

·         Causing an accident while breaking the law

Appealing

If you believe that your insurance company erred in their assessment, you can ask for a second look. The Board of Appeals will grant you an in-person hearing, listen to a chosen representative or accept a written statement.

The officer in attendance will hear your case, review the facts and decide. They will mail the decision within a few weeks, to you and your insurance company. The Board of Appeals will either vacate your fault or uphold the original decision. You’ll have one more stop available past this with the proper Superior Court for your area.

Getting the help you need after an accident could rest on this process. Understanding how the insurance company looks at an accident, and what you can do if you disagree could be crucial components to your claim.