A lot of drivers get an auto collision insurance thinking that it will best protect them when driving. After all, car collision is one of the leading types of accident happening on the road. But what drivers should further understand is that auto collision insurance is not the same as comprehensive insurance.
The main difference is that with comprehensive insurance, a car is given total protection. This means that an insurer will not so much take into consideration as to who was at fault before shouldering repair costs for damages. With auto collision insurance, there are limitations to coverage. One could not always file for claims for any road mishap he gets into unless his insurer proves it is valid.
Thus, any driver should know the valid claims for auto collision insurance. Basically, for claims to be considered valid, the insurance holder must be able to prove that he was not at fault. If he is the guilty party there is only a small possibility that his insurer will pay for the damages.
In every road collision, there is usually a mediator to assess the situation. In most cases, it is a local police or traffic enforcer. His job is to look at the positions of the cars to see which one is at fault. He would also interview each party to get opinions from both sides. If there were witnesses to the scene, he may also ask them what really happened. This is all basic protocol to be sure that he is able to write an unbiased and most accurate report for submission to insurance companies and police station.
A mediator is there to make sure that no unnecessary fights ensue between the two parties. However, in some cases, the two drivers could amicably settle for themselves their predicament. In any case, these drivers should still know some basic rules about collision.
There are specific instances when a car is immediately at fault no matter how hard one argues against it. This is very true in cases of rear-end collision. The car at the back is almost always the guilty party. He can say that the car in front stepped the brakes all too suddenly but he should not have been within such close distance in the first place. He should have learned from any driving school to always maintain a safe gap from the car in front.
If a driver headed straight on the road is suddenly hit by a car turning left, his insurance claims will be valid. The guilty party is the one turning left because he should be giving way for the car going straight.