Most U.S. states use a fault-based system to handle insurance liability. Fault-based systems—also known as tort liability systems—focus on how fault each involved party bears for the accident or injury in question. Often, you and the insurance company won’t agree on how much of the accident was your fault, or how much you deserve to be compensated. Unfortunately, some victims agree to an inappropriately low – or no – settlement. Remember that insurance companies might not have your best interests in mind when it comes to negotiating a fair settlement payment in a fault-based state. To ensure that you get a fair deal, consult with a well-reviewed personal injury law firm before accepting any settlement offer.
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