Navigating Insurance Questions: Am I at Fault or Not?
I’m in California and looking to get new insurance through Progressive. They’re asking me about an accident that the insurance company classified as a 50/50 fault situation.
When prompted during the insurance application, I need to select whether I was at fault or not, with the options being “Driver was at fault” or “Driver was not at fault.” Which option should I choose?
In your situation, since the accident was deemed 50/50 by the insurance company, it typically means that both parties share some responsibility for the incident. In this case, it would be most accurate to indicate that you were “not at fault,” as the insurance determination suggests that you aren’t entirely responsible for the accident. However, you might want to clarify this with Progressive directly to ensure that you’re providing the correct information according to their criteria, as interpretations can vary between insurance providers. It’s always best to be transparent and discuss any nuances to avoid any issues with your coverage.