Fault is determined by investigating which driver failed to exercise reasonable care, violating traffic laws or acting negligently. Police reports, witness statements, photos, and traffic camera footage are key evidence. Insurance adjusters analyze this evidence against local rules, which may follow “comparative negligence” (shared fault) or “contributory negligence” (barring recovery if even slightly at fault). The goal is to establish who caused the accident by not driving safely. Your own detailed notes and evidence collected at the scene are crucial for supporting your version of events.

Yes, if the damage resulted from their carelessness or failure to follow professional standards. Contractors have a duty to perform work skillfully and avoid harming your home. Examples include an electrician causing a fire, a plumber flooding your floors, or a tree service dropping a limb on your roof. Your claim would seek the repair costs. First, review your contract and notify their insurance company. Document everything thoroughly with photos and written communication before considering legal action.

You can negotiate yourself for very clear, minor claims with small medical bills. However, for any claim involving significant injury, ongoing treatment, disputed fault, or complex issues, hire a lawyer. An experienced lawyer understands the true value of your claim, handles all communication, and knows negotiation tactics you don’t. They work to maximize your settlement, often securing far more money than you could alone, even after their fee.