The insurance company has 6 months from compliance to investigate the accident and tell us whether they admit, partially admit or deny liability (fault). Claimify will assist and advise you during this process, including asking for an early liability response, so your claim can progress.
The insurance company can claim contributory negligence if they believe that you are partly responsible for the accident and/or injuries. Common examples of contributory negligence include failure to wear a seatbelt or helmet, failing to keep a proper lookout, or failure to take appropriate evasive action. If the insurance company alleges contributory negligence, they are required to express what percentage of responsibility they believe you should wear. They will argue that your claim valuation should be reduced to reflect this percentage.