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You indicate that there is another driver's insurance company which is asserting you have liability for damages.

The purpose of a driver's liability policy is to cover damages for which they were at fault.

The normally a driver notifies their insurance company which will speak with the other driver's insurance company concerning such damages. Informal resolution is normally achieved based on an agreement of fault as to the responsible driver.

When informal resolution is not possible, the an insurer is prepared to defend a civil suit to collect damages on the behalf of their insured driver.

I hope that the information I have provided regarding the insurance claims process answered your question.

If not, please follow-up with me.

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Once you read what I have posted let me know if you have any questions?

A review of what occurred to cause the accident would be the method of determining. In essence, the at-fault party would be the one whom the insurance company believes they could successfully prove up a claim against in court. In some instances it is clear such as in rear end collision and in other instances it can be more difficult.

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I cannot provide advice per the site terms. Only information. Vehicle liability insurance is meant to shield driver's from claims against them. Normally when a driver is facing a liability claim resulting from driving their insured vehicle they contact their insurance company. The insurance company intervenes and normally informally resolves the claim.

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