By definition, an accident is something that happens unexpectedly, without anyone planning or intending it to happen. But when it comes to car accidents, it’s not uncommon for one party to be held more responsible for causing the collision than another. The process of determining who is at fault in an accident is a necessary step in figuring out which driver might have to pay for any damages.
In many cases, the parties may be in agreement about who’s at fault. Someone ran through a red light, or failed to yield to oncoming traffic while making a left turn, or pulled into traffic without looking.
But the question of fault can be more complicated than it appears at first; a number of factors can be involved in determining a driver’s degree of liability. Here are some elements to that could be useful to consider as you deal with the aftermath of an accident and the fault-finding process that insurance companies go through.
THE IMPORTANCE OF A CAR ACCIDENT POLICE REPORT
Don’t make the mistake of not filing an accident report after a crash. It’s not only the prudent thing to do if you want to help the insurance company process your claim, but the law requires it. In Colorado, accidents must be reported if they cause personal injury or any property damage.
Calling the police brings a professional into the situation, who will investigate the accident and attempt to determine the person at fault.
In many cases, the officer’s opinion of who was at fault will be accepted by the parties involved and their insurance companies. But in other instances, the officer might be unable to reach a conclusion about fault, or the officer’s decision will be challenged by one or more of the parties or their insurers.
In highly disputed situations, you may benefit from the assistance of an experienced car accident lawyer, who can also bring in accident reconstruction experts to help resolve the question of fault.
Even if the police report is clear and unequivocal about the cause of the accident, keep in mind that, in Colorado, any traffic citation issued in an auto accident is not admissible evidence at trial on the civil claim. The investigating officer may still be allowed to express an opinion about who was at fault, but there’s no guarantee that the insurance companies will accept the police findings.
In other words, the police report is useful —but it may not be the last word in the matter.
CAR ACCIDENT WITNESS STATEMENT (AND PHOTOS)
Police and insurance companies try to gather relevant physical evidence to help determine how the accident happened. This could involve photos of the damage and paint scrapes, measuring skid marks, checking the operation of traffic lights and video cameras in the area, and so on.
Car accident witness statements are also important. In addition to contacting police, any contact information you can gather from witnesses could prove to be helpful down the line.
Some witness testimony may be unreliable, and the parties involved may not want to say much of anything. If the other driver makes statements admitting fault, you should take note — but avoid making such statements yourself and avoid any confrontations.
In a “simple” accident scenario, one party is found to be negligent, having failed to do something required, and that failure resulted in damages. It could be a rear-end accident, caused by a driver speeding and following too close. It could be a head-on accident, caused by a driver straying out of his or her lane; or a left-turn accident, caused by a failure to yield; or a T-bone accident, caused by someone failing to stop at a stop sign.
But these are not always simple.
Suppose the person who was rear-ended stopped abruptly, without good reason or warning? Suppose the driver turning left had a green arrow, and the oncoming traffic ran the light?
A finding of fault depends on individual circumstances. And even in “simple” cases, the ability to receive compensation for damages can vary from state to state.
DEGREES OF FAULT
Where you live can determine how insurance companies determine fault. Some states have “no-fault” laws, which mean insurance companies are responsible for covering the claims of their own customers, regardless of who caused the accident.
In “pure contributory negligence” states, you can’t recover damages from an at-fault driver if your own actions contributed to the accident in any way.
Colorado has a comparative negligence law, which means that a jury in a civil case may be asked to consider whether more than one person was at fault for the accident. The injured person is not allowed to recover to the extent of his or her own negligence.
For example, if the injured person is found to be 10% at fault for the accident, then that person will not recover 10% of his or her losses. If the injured person is found to be 50% or more at fault, he or she recovers nothing.
Insurance companies often assert that the injured person bears some of the faults for an auto accident, thereby greatly reducing or eliminating the damages the company is expected to pay.
An accomplished auto accident lawyer often can uncover evidence and argue effectively on your behalf if comparative negligence is asserted as a defense against your claim.
THE DENVER CAR ACCIDENT LAWYERS AT FDAZAR
For more than thirty years the attorneys at Franklin D. Azar & Associates have helped thousands of injured people obtain complete and timely compensation for their losses. Our proven track record and expertise have allowed us to grow into the largest personal injury law firm in Colorado, with offices in Denver, Colorado Springs, Pueblo, and Trinidad. If you’ve been injured in a car, truck, or motorcycle accident, you may be entitled to compensation. Call a Denver Car Accident Attorney at FDAzar day or night at (800) 716-9032 or contact us here for a free consultation and no-obligation evaluation of your case.