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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?

avatar
Shannon Martin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“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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