How do insurance companies decide whose fault
the accident was? Insurance companies use police reports, your own statements, statements
from the other motorist and other evidence to decide who was at fault. But motorcycle
accidents can be expensive, which means insurance companies may blame you for your own injuries
rather than pay up. Ultimately, a jury decides who was at fault and what must be paid for
an accident. An experienced motorcycle accident lawyer will hire an accident reconstructionist
and take depositions of the other driver to form his own view of who was at fault. Do
not despair just because the police report is against you. Police reports are often wrong.