I'm looking for a DU forum to ask about a car accident and insurance.

[haele]

23. Her insurance will always try to get the liability down.

About Auto Insurance - liability isn't fault. Liability is the percentage that "contributed" to the accident - sometimes just be being there and not reacting quickly enough that someone else was being unsafe.
Fault is the amount of how much your actions were directly responsible for the accident - were you driving unsafely, were you breaking the law, were you negligent in caring for your car and the bailing wire repairs you made failed at freeway speeds?

Liability affects the amount of your deductible the insurance company covers, fault affects the premiums.

Your premiums won't go up if you're not at fault. However, if both insurance companies agree to her only 50% liable just because you didn't back up fast enough, you'll be on the hook for 50% of your deductible. Check with your insurance agent to find out what they're going to claim.

Just dealt with that with the kid's car that's on my insurance, they were at the front of a 4-car pile-up in stop-and-go freeway traffic - not their fault, and they were identified as 0% liable (got their entire deductible covered) because the car behind them did not give them enough room before she got hit by behind her by assholes who were feuding on who cut off whom.

Haele