Being in a car accident is stressful. But it gets even worse when you’re blamed for something that wasn’t your fault. If your insurance company—or the other driver’s—says you caused the crash, you may feel frustrated and helpless. But can you fight an at-fault accident ruling? Yes, you can.
Disputing fault after a car accident isn’t easy, but it’s possible. The right steps can protect your rights, lower your insurance costs, and help you avoid paying for damages you didn’t cause. At Lowe Law Group, we know how unfair fault determinations can be, and we’re here to help. Your health, well-being, and financial stability matter to us. Let’s go over what you need to do if you’re wrongly blamed for an accident.
How Do I Dispute Car Accident Fault?
If you believe the fault determination is incorrect, you need to act quickly. Here’s how to start:
1. Gather Evidence
Insurance companies rely on police reports, witness statements, and evidence from the scene. If you have photos, videos, or dashcam footage, they can help prove what really happened. Look for:
- Skid marks or road conditions
- Vehicle damage
- Traffic signals or signs
- Surveillance camera footage (from nearby businesses or homes)
- Statements from passengers or bystanders
2. Request the Police Report
Police reports play a major role in determining fault. But officers aren’t perfect—they may have missed key details or relied on incorrect information. Review the report carefully. If something is wrong or missing, you can request a correction.
3. Notify Your Insurance Company
Tell your insurance company right away if you believe the fault ruling is incorrect. Provide them with the evidence you’ve collected. The sooner you act, the better your chances of getting the determination changed.
4. Get a Second Opinion
If your insurance company isn’t responding fairly, consider hiring an independent accident reconstruction expert. These professionals analyze crash details and can provide an unbiased opinion that supports your case.
5. Talk to an Attorney
If you’re struggling to get a fair ruling, an experienced personal injury lawyer can help. Lowe Law Group fights for clients who have been wrongly blamed for accidents. We know how to challenge insurance companies and present strong evidence in your favor.
What Happens When the Insurance Company Finds You at Fault?
Being found at fault in a car accident can have serious consequences:
- Higher Insurance Rates: Your premiums may increase, even if it’s your first accident.
- Out-of-Pocket Costs: If you’re found responsible, you may have to pay for damages, medical bills, and legal fees.
- License Points: Depending on your state, an at-fault accident could add points to your driving record, leading to potential license suspension.
- Legal Consequences: If the other driver sues you, you could be held financially responsible for injuries and damages.
This is why disputing an unfair fault ruling is so important. If you weren’t actually responsible for the accident, you shouldn’t have to suffer the consequences.
State-Specific Nuances: No-Fault vs. At-Fault States
Not all states handle car accident claims the same way. Understanding your state’s laws can help you dispute a fault ruling more effectively.
- At-Fault States: In most states, the driver who caused the accident is responsible for paying damages. If you’re found at fault, the other driver can file a claim against you.
- No-Fault States: Some states—like Florida, Michigan, and New York—have no-fault insurance laws. This means each driver’s own insurance covers their injuries, no matter who caused the crash. However, fault can still impact property damage claims and lawsuits for serious injuries.
Because every state has different rules, it’s helpful to work with an attorney who understands local laws. Lowe Law Group can guide you through the process, no matter where you’re located.
Notifying the Carrier of Your Dispute
If you want to dispute fault, you need to notify your insurance carrier in writing. Be professional, clear, and include supporting evidence. Here’s what to do:
- Write a Formal Letter or Email
- Explain why you believe the determination is wrong.
- Provide photos, witness statements, or other evidence.
- Request a formal review of the claim.
- Follow Up Regularly
- Insurance companies handle many claims, and yours could be delayed. Regular follow-ups show that you’re serious.
- Be Persistent but Polite
- Stay firm, but don’t lose your temper. Insurance adjusters are more likely to work with you if you remain professional.
The Outcome of the Police Investigation on Dispute
The police report is a key factor in determining fault, but it’s not final. If an officer made an error or relied on incorrect witness statements, you can challenge the report.
How to Dispute a Police Report:
- Request a Correction: Contact the officer who wrote the report and provide evidence to support your claim.
- Submit a Statement: If the report can’t be changed, you may be able to add a written statement explaining your side.
- Hire an Attorney: A lawyer can work with law enforcement and insurance companies to correct errors in the report.
Let an Attorney with Our Firm Help You Dispute Fault After a Denied Insurance Claim
Disputing faults can be frustrating, especially when insurance companies refuse to budge. That’s where we come in. Lowe Law Group is dedicated to helping people like you fight unfair fault rulings and denied insurance claims.
Why Choose Lowe Law Group?
- We Put Your Well-Being First: We know that an accident can affect more than just your finances. We care about your recovery and future.
- We Know Insurance Tactics: Insurance companies often try to avoid paying claims. We know their strategies and how to fight back.
- We Get Results: Our attorneys have helped countless clients overturn wrongful fault determinations and get the compensation they deserve.
If you’ve been unfairly blamed for an accident, don’t wait. The sooner you take action, the better your chances of a successful dispute. Call Lowe Law Group today for a free consultation. Let us fight for you so you can focus on what matters—your health, your family, and your future.
