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Insurance FAQ: What Does At-Fault Mean?

When discussing insurance, we often hear the term “at-fault”. Have you ever wondered what exactly that means and how it could affect your insurance? Under Massachusetts law, if your driving behavior at the time of the accident was more than 50% of the reason for the accident, you are considered to be at-fault. Determining who is at-fault in an accident isn’t always easy…they are accidents after all.

While it is up to the courts to decide who is at-fault, not every accident will go to court, so there are laws and regulations to help insurers. There are pre-defined situations that allow insurers to presume that motor vehicle operators are at-fault in those circumstances. Some pre-determiners for being at-fault are witnesses and policy reports. Being at-fault during an accident means that your insurance company will, in most cases, pay 100% (or up to your limit) of the damages to the other vehicle/property that was hit.  You will also most likely get a surcharge (between 2 and 4 points) on your license, which will increase your auto insurance for the next 6 years.  If you have collision on your car, you will also have to pay the deductible before your own insurance will cover the damage to the car.

Do you have more questions about at-fault or insurance questions you need answered? Ask our experts at Encharter Insurance today! If you are looking for a new auto insurance policy, we can help you with that too! Give us a call at 888-865-1244 for a free auto insurance quote or for questions you may have regarding insurance.

 

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When discussing insurance, we often hear the term “at-fault”. Have you ever wondered what exactly that means and how it could affect your insurance? Under Massachusetts law, if your driving behavior at the time of the accident was more than 50% of the reason for the accident, you are considered to be at-fault. Determining who is at-fault in an accident isn’t always easy…they are accidents after all.

While it is up to the courts to decide who is at-fault, not every accident will go to court, so there are laws and regulations to help insurers. There are pre-defined situations that allow insurers to presume that motor vehicle operators are at-fault in those circumstances. Some pre-determiners for being at-fault are witnesses and policy reports. Being at-fault during an accident means that your insurance company will, in most cases, pay 100% (or up to your limit) of the damages to the other vehicle/property that was hit.  You will also most likely get a surcharge (between 2 and 4 points) on your license, which will increase your auto insurance for the next 6 years.  If you have collision on your car, you will also have to pay the deductible before your own insurance will cover the damage to the car.

Do you have more questions about at-fault or insurance questions you need answered? Ask our experts at Encharter Insurance today! If you are looking for a new auto insurance policy, we can help you with that too! Give us a call at 888-865-1244 for a free auto insurance quote or for questions you may have regarding insurance.

 

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