accident
Found at fault in non-left turn collision
<p>I was involved in an accident and am being found at fault by their insurance company, but I do not understand why.</p>
<p>We were both stopped at a red light. I was in the left turn lane. They were in the straight only lane adjacent to mine. When the light turned green we both turned left and they drove ahead of me into the lane I was turning into and I collided with the side of their vehicle before I could react.</p>
<p>Why am I being found at fault when they weren't suppose to turn left?</p>

<h2>An insurer can’t find anyone at fault</h2>
<p>An insurance company cannot find you or anyone else at fault - they don't have the power. They are alleging that you are at fault and, presumably, demanding damages.</p>
<p>Whether you are at fault or not is a matter for you to concede (by paying them) or a court to determine based on the evidence when they sue you (or you sue them for your damages).</p>
<p>The other driver’s insurer only knows what they have been told and it’s likely the other driver genuinely believes they were not at fault and, based on what you say happened, they may very well be right, or at the very least, that both drivers were at fault. For example, it’s not clear if you turned from the left most lane into the left most lane as you are required to do or if you changed lanes during the turn. Notwithstanding, it sounds like you drove into them (that is, the front of your car was behind the front of their car) and the fundamental rule of driving is don’t drive into things - failing to avoid a collision is a go to offense in all driving rules.</p>

<p>The insurance companies are likely factoring in probability of occurrence and likelihood of avoidance. Ask yourself how, not of,  the accident could go been avoided and then put yourself in an insurers position.</p>
<p>A few questions to ask yourself:</p>
<ul>
<li>How could I / the third party have prevented the incident?</li>
<li>How can I prove I was in the right without any doubt?</li>
<li>What difference would it make if I was able to prove, I've way or another, who was at fault?</li>
<li>If I was even to 10% to blame, is this worth your time in court/ speaking with claims adjusters to challenge what happened?</li>
</ul>
<p>Either way, sincerely best of luck with the end result.</p>
