Pennsylvania has a unique system for determining fault in case of an accident. Most states have variations on a system that is either "fault" or "no-fault," but Pennsylvania follows a modified comparative fault rule. Hershey, PA drivers can learn about this unique system from the agents at the Options Insurance Agency.

What Is Modified Comparative Fault?

There may be any number of parties who are involved in an accident. Not only may drivers be at fault, but there may be fault attributable to other parties, such as a government agency in charge of maintaining roads and signs. With a modified comparative fault, all those parties may be involved in a single claim.

Within this already complicated claim, individual parties may have more or less responsibility for the accident. There could be an accident where one party is 50% at fault, one party is 30% at fault, and another party is 20% at fault.

How Does This System Affect Drivers?

This kind of system sounds complicated, and it may be challenging to figure out quickly who is the most responsible for an accident. Insurance companies also know that if they can blame someone else, they will have to pay less. 

The most important thing for drivers is to protect themselves with a comprehensive insurance policy. Also, if anyone is involved in an accident, it is important to document the circumstances of the crash and make an official report right away. Call your agent immediately.

Driving in Hershey, PA carries risks, and accidents can happen no matter how careful you are. If you would like to discuss your auto insurance options, or if you have any questions about auto insurance, please call Options Insurance Agency today.