Not necessarily. Even if you made a mistake, you might still be entitled to compensation. It's about how much blame you share:
- Contributory negligence: This is the legal term for when you're partly responsible. Your payout would be reduced to reflect this.
- Significant blame: If you were mostly to blame, it's harder to make a claim, but not always impossible.
- It's complicated: The law looks at all the circumstances to decide what's fair. That's were getting expert advice matters.
How "it happens" can help:
- Honest assessment: We'll tell you upfront if you have a realistic chance of making a claim.
- Building your case: We'll gather evidence to show the other side was more to blame than you.
- Negotiating for the best deal: Even with shared fault, insurers often try to lowball you. We'll fight for what you're owed.
Important: Don't admit fault to the insurer until you've had advice. This can be used against you.