“Apologizing to another driver or your insurance company for the accident can be a natural reaction to a stressful event or situation. You won’t be punished if you do say sorry. It’s completely normal to feel sorry after an accident, regardless of fault!
Car insurance companies look at many factors when there is an accident involving a policyholder. When there is an accident, a company will send an adjuster out to look at the damages on your vehicle and also review the facts of the incident.
From there, the adjuster makes a determination on whether you or the other driver was at-fault. “