I Am Looking For A Great Vehicle Insurance Company
Reader’s Question:
Greetings from Denver, CO! I would like to know if my auto insurance company would hold me responsible or liable if I were in an accident where I wasn’t the one at fault, but I was not wearing a seat belt.
Heather
Denver, CO.
Now, everyone should wear their seat belts when on the road, whether you be driver or a passenger. Think safety, people. So, you got hurt in an accident that was not your fault but were not wearing your seat belt? If you got in an accident and got hurt, the other driver may be completely liable for the damage to your car because of the circumstance of the accident, but the fact that you were careless also makes you partly responsible. The injuries you sustained were partly due to your own carelessness. You go ahead and file a claim with your auto insurance company and let them decide who pays what.
What happened to you is called ‘contributory negligence.’ It wasn’t entirely your fault but you did contribute to the damage by being negligent. The state of Colorado, I’m sure, has a law comparable to this. Check with the local office there in Denver, CO. The auto insurance company will definitely look into your situation and determine just what percentage of the settlement amount will be shouldered by you. This will depend on the assessment of the auto insurance’s claims adjuster. Be truthful now. Claims adjusters can be very resourceful.
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