Purchasing New Insurance: Am I at Fault? (Location: CA)
I’m in the process of getting insurance with Progressive, and they’re asking about an accident I was involved in that the insurance company classified as 50/50.
When answering their question regarding fault, I’m given two choices: ‘Driver was at fault’ or ‘Driver was not at fault.’ Which option should I select?
In your case, since the accident was deemed 50/50 by the insurance company, it means that both parties share some responsibility for the incident. When filling out the insurance application, it would typically be more accurate to choose “Driver was at fault,” but you could clarify that it was a shared fault situation (if the application allows for comments or notes).
However, if there is no option to specify this and you have to choose one, it might be best to select “Driver was at fault” while noting that it was a 50/50 determination if possible. It’s important to be honest about the incident, as discrepancies can lead to issues later. If you’re unsure, you might want to contact Progressive directly for clarification on how to answer based on their definition of fault.