Your insurance company should have whats called an extrapolation artist that can determing with all the facts fault. Police officers are not trained to determine fault, especially if they were not there.
Believe it or not, police do not determine who is at fault the insurance companies involved do. They use information given to them from the police department, such as violations or speed information, but the police can not determine fault or liability. Order of listing vehicles on the report has no determination of anything
not final, you can contest the police�s report by hiring independent investigators. But, if the police say you were at fault you probably were according to the traffice rules and regulations.
Both are equally at fault and you may both have to use your own insurance to pay the damage. If a police report was filed, then the police will determine the % of fault to each person. CORRECTION - Your INSURANCE COMPANY will determine the fault - not the police. Yes, it may be a 50/50 situation, unless one party admits 100% fault.
No Fault means just that. No Fault. However, you could both be cited for the accident, it will have to be determined in Traffic Court by a judge. If they are at fault, the police officer will issue a ticket. No fault insurance doesn't refer to the legality of the accident, only the compensation.
If the police came out and made a report of it then it will be on your driving record. It will be a not-at-fault accident but it will still be on your driving record. If the police did not come out but your insurance knows about it then it will be on your CLUE report and be a not-at-fault accident.
An insurance company can assign fault regardless if a police report is filed or not. A police report is simply a report made by a neutral party at an accident scene. I believe there have been cases where insurance companies have assigned fault to one party when the opposing party was initially named at fault in a report.
Fault is typically determined by police reports and accident witness(es). In a rear end accident the vehicle striking another in the rear is typically at fault. With multiple cars it is up to the reporting police officer to determine fault.
Police don't always determine the fault especially the private property incidents. What the police report usually does is tell the facts of what happened and what any witnesses say they saw as well so in situations where no tickets are issued or cause of fault is listed the insurance companies will get together and determine the fault. Sometimes when two cars back into each other there may just be levels of fault whereby each party may be partly at fault which never benefits anybody.
A police report does not define who is at fault. That requires some investigation by either the insurance company or the police themselves; however, unless you make a claim or a report, neither will investigate and the accident will not officially have happened.
I would call the newspapers.
My plan was denied and it was not my fault it was the other drivers fault because police and show up to make a police report it is really his mind