According to a recent study, the average driver files an insurance claim every 17.5 years. In California alone there are over 26 millions drivers so, naturally, the amount of auto insurance claims is high.
In no-fault states, there is no burden to prove the liability of any party. Alternately, the insurance company will pay the victim rather than sue the other driver’s insurance company. Although, the law may cap how much you are entitled to or which injuries are covered.
Fault states, including California, require the plaintiff to defend their stance while examining their level of responsibility. Insurance claims are disputed in court and the amount of the car accident settlement is usually measured based on the negligence of both parties.