FAULT LINES — What to Do When the Insurance Company Gets It Wrong After a Car Crash
In the chaos after a car accident, one thing quickly becomes clear: everyone is pointing fingers
But when blame is assigned incorrectly—especially by insurance companies—the financial consequences can be significant. Whether you’re being wrongfully blamed or your rightful compensation is being denied, R23 Law’s California Consumer Protection Attorneys are ready to step in.
We represent injury victims across California who face bad faith tactics from insurance companies. If you're disputing fault after a crash, don't go it alone.
Why Insurance Companies Get Fault Wrong
Insurance companies have a financial incentive to minimize payouts. If they can shift blame—even partially—they reduce what they owe. And in states like California, which uses a comparative fault system, even being just 10% at fault can reduce your settlement.
That’s why building a clear, evidence-backed case matters. The more solid your version of events, the harder it becomes for insurers to unfairly dispute your claim.
Understanding Comparative Fault in California
Under California’s pure comparative negligence system, each party involved in an accident can be assigned a percentage of fault. Your final compensation is reduced by your share of the blame.
For example:
If your total damages are $50,000 but you're deemed 20% at fault, you’d only receive $40,000. That’s a $10,000 mistake—often based on questionable insurance assessments.
Insurance companies routinely exploit this system by overstating your share of fault. At R23 Law, we know the tactics they use—and how to fight back.
Steps to Dispute Fault After a Car Accident
If you're facing an inaccurate fault determination, timing and strategy are everything. Here are essential steps to protect yourself:
1. Document Everything at the Scene
Immediately after the crash, collect:
Photos or videos of vehicle positions, skid marks, and damage
Witness names and contact info
Copies of the police report
Dashcam or surveillance footage if available
This evidence lays the groundwork for challenging incorrect fault assignments.
2. Request a Written Explanation from the Insurance Company
Insurance denials can be vague or incomplete. Request a formal written explanation outlining:
The reason your claim was denied
The evidence used in the decision
Any statements made by the other driver
This helps identify gaps or errors you can rebut with proper evidence.
3. Look for Inaccuracies in the Insurance Assessment
Insurance adjusters aren’t infallible. They may misinterpret evidence or overlook critical facts. Look for:
Incorrect vehicle speeds or impact points
Misquoted witness statements
Incomplete use of police reports
Your attorney can help dissect the insurer’s findings and highlight inconsistencies.
R23 Law’s Expertise in Representing Injury Victims
R23 Law’s California Consumer Protection Attorneys aggressively pursue justice when fault is disputed. Our legal team works with:
Accident Reconstruction Experts
We use 3D reconstructions and visual simulations to recreate the crash and support your version of events.
Medical Record Analysts
We work with doctors to update and clarify injury reports, especially when insurance companies downplay your harm.
Investigators and Witness Locators
We track down overlooked evidence and witnesses who can clarify who really caused the crash.
Skilled Litigators
If insurers refuse to revise their decision, we escalate the case through litigation. Many insurers reverse course once they know you have serious legal firepower on your side.
Challenging Fault: Persistence Pays
Insurance companies often bet that injury victims won’t challenge them. But with R23 Law in your corner, you’re not just a claimant—you’re a plaintiff prepared to fight for every dollar you deserve.
If you're navigating a disputed car accident claim, don’t settle for less. Contact R23 Law’s California Consumer Protection Attorneys for a free consultation and let us begin building your case.
📞 Call Today
Let R23 Law’s experienced team of litigators, accident investigators, and negotiators fight to protect your rights and secure your compensation.
