Because Texas bars recovery if you are more than 50% at fault and reduces it by your percentage otherwise, insurers have every incentive to pin fault on you. They may misread the police report or twist your own words.
Why Insurers Assign Blame
Being blamed is not the end of your claim — it is a dispute to be won with evidence.
Countering the Blame
Independent evidence — scene photos, dashcam and surveillance video, witness statements, and expert reconstruction — counters an insurer's fault narrative. Avoid giving recorded statements that could be used to support their version.
An attorney can challenge a flawed police report and present the full picture.
Don't Accept Blame at Face Value
If you are being blamed, a free review can assess the real liability picture before you concede anything.
Have questions about your own situation? Get a free, confidential case review. You pay no fee unless you win. Call 973-566-5599.
This article is for general informational purposes only and is not legal advice. For guidance on your specific situation, consult a licensed Texas attorney.