In order to determine who is at fault in an accident, an investigation is conducted as to the facts of the loss.
If there is a police report, it may cite basic facts about the causes of the accident such as whether anyone involved was driving at an unsafe speed for the road conditions, made an unsafe lane change, followed another car too closely, etc. Also, the reporting officer may have included his opinion as to who was at fault or may have issued a citation to one of the parties. All of these factors will be weighed in determining liability.
We will also independently investigate whether all the parties involved followed the rules of the road, and whether one or more parties contributed to the conditions that led to the accident. Once all the facts have been ascertained, a liability decision is reached and the claim is processed accordingly.
If you do not agree with the liability decision reached for your auto insurance claim, please state your reasons in writing and send the statement to us at CSAA, P.O. Box 920, Suisun City, CA 94585.
Be sure to include your claim number. The letter will be reviewed and your concerns will be addressed.