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If you are found over 50 at fault by the other drivers insurance company even though the other driver ran a red light does your insurance company have to pay for damages to the other driver's car?

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Believe it or not insurance compaines are fair and they do investigations to determine liability. If they don't they can get in trouble with the Dept. of Insurance. If the other drivers carrier found you over 50% at fault it is probably because you have some liability too. Were you speeding ? Were you inattentive ( on a cellphone, etc )? Could you not tell them your side of the story ? If so, and despite the fact the adverse driver ran the light they owe it to their client not to pay you 100%. Your carrier would also do an investigation to detremine what percentage they would pay of the advers drivers damage - it may or may not be the same as the other carrier is paying you.

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