Not at fault

The insurer initially determined that the consumer was 50% responsible for a collision at a four-way stop. In support of its position, the insurer indicated that there were two conflicting versions of the accident and no available camera footage or independent evidence to establish fault conclusively.

After reviewing the circumstances of the loss, including the RCMP report containing both drivers’ statements and the location and nature of the damage sustained by each vehicle, we identified concerns regarding the insurer’s liability assessment. In particular, the physical damage appeared to be more consistent with the insured’s version of events than with the version relied upon by the insurer.

We subsequently contacted the insurer and requested a further review of the file, highlighting the available evidence and the apparent inconsistency between the damage patterns and the insurer’s fault determination. Following a reassessment of the claim, the insurer agreed that there was sufficient evidence to support its insured’s account of the accident and concluded that its original liability assessment should be revised.

As a result, the insurer overturned its previous decision, found its insured to be 0% at fault for the accident, and amended the claim file accordingly.