With respect to the determination of how much responsibility I bear in the auto accident, is that a negotiation between you and the other insurance company, or is there some other formula that is used? Is it a police report?
It’s a combination of factors, but what it boils down to is the auto accident report, for instance, doesn’t cite either party; doesn’t find either party at fault, well, then, it’s a negotiation if you can resolve it that way with the insurance company, or it has to be taken to trial and determined by a jury or the judge to find who is at fault and how much they are at fault.