What does my insurance company do in a 50/50 claim?

If I have a 50/50 claim with my insurance company, how is the claim handled?

Answer provided by
Shannon Martin
Answered on Jul 06, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
“In a 50/50 claim, the adjuster has assigned 50% negligence to both parties involved in the accident.
Depending on the comparative negligence laws of your state, you may or may not be entitled to recover damages from the other party.
Your insurance claims adjuster will explain this in more detail, but generally, you and the other party would both file a claim with your own insurance company if you have collision coverage on your policies.
Both insurance companies will handle recovery from the other party if the comparative negligence laws of your state allow for recovery.
If you do not have collision coverage on your policy, you may be able to file a claim through the other party’s insurance.
Your percentage of liability would reduce the amount that they would pay in the claim (50% in this case).”

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