Q: My insurance company says I am at fault for an accident. I don’t think I am. What can I do to fight this?
A: Your insurance copmany has the right to settle any claims and make the determination of fault. If you disagree, ask them to send it to you in writing. (They are required to do this by the California Fair Claims Practices Act.) After you get this, ask them to reconsider their determination. Then, file a request with the department of insurance and ask them to review the fault determination.