A fender-bender happens. Whose fault is it - them or you? Make the call before the timer runs out. Free, no signup.
Why it matters: who is at fault decides whose insurance pays and whose premium jumps - and it is not always who you would think. Read the guide →
Fault can be shared, and rules vary by state. But the basics are steady: rear-enders, lane-changers and drivers who fail to yield usually carry the blame.