How can I get an accident that I was 50% liable for to show up as not at fault?

"After working with my insurance company, I was deemed 50% at fault for an accident. However, the accident is still showing as at fault on my record.

I thought that you had to be 51% or more liable for an accident to be classified as at fault. Am I wrong? If I'm right, how do I change my record?"

“You are correct that car insurance companies will deem you not at fault for an accident if you are less than 51% liable.
If the accident is showing as at fault, you may need to reach out to LexisNexis. They are a consumer reporting agency that handles Comprehensive Loss Underwriting Exchange (CLUE) reporting. Any incorrect information on your report can be disputed with them directly.
You will need to get a claim report or claim history letter from the insurance company stating you were not at fault for the accident. Once you receive that, you can submit it as proof to LexisNexis. They should be able to correct the report.
Another option is to provide any new insurance company with the same proof. Most companies will allow you to dispute any accidents on your record with valid proof. “
Emily Maracle
Answered on May 17, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.

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