Getting into a car accident is stressful enough. But being told you share 50% of the blame can make things feel even worse, especially if you believe the decision is unfair. The California Department of Insurance (CDI) allows consumers to file complaints, and you also have the right to appeal the decision to the insurer. This can have a big impact on your claim, your compensation, and even your future insurance premiums.

Let's walk through what a 50/50 insurance claim decision really means in California, how fault is determined, and most importantly, how you can fight it using the pure comparative negligence law. Consult with our experienced car accident attorney to review your case and determine the best strategy to dispute the fault.

(This blog post is intended for general informational purposes only and does not constitute legal advice. If you need legal assistance, please contact a qualified attorney. Any references to laws or cases are for context only and do not serve as legal interpretation. Past results are not a guarantee or warranty of future outcomes. No attorney-client relationship is formed here.)

50/50 Insurance Claim Decisions in California: What It Means and How to Fight It

In California, liability in car accidents is based on pure comparative negligence law. That means fault can be split between the drivers in any percentage—90/10, 70/30, 50/50, and so on. Suppose your insurance company or the other driver's insurer decides you are 50% at fault. In that case, it means you are responsible for half the damage.

This can reduce how much money you receive for your vehicle repairs, medical bills, and pain and suffering. You may also have to pay for half of the other party's damages, and your insurance rates might go up.

The problem is insurance companies often assign 50/50 faults when they feel there isn't enough clear evidence to prove one driver was more responsible than the other. It's their way of closing the case quickly, but that doesn't always mean it's the right decision.

If you believe the 50/50 ruling is wrong, you can challenge it. The California Department of Insurance allows consumers to file complaints, and you also have the right to appeal the decision with the insurer.

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Step-by-Step Guide to Disputing a 50/50 Insurance Claim in California

Challenging a 50/50 car accident insurance decision may feel overwhelming—but it doesn't have to be. If you believe the insurance company got it wrong, you have the right to push back. Here's a clear, practical roadmap for how to dispute a 50/50 fault determination in California.

Step 1: Review the Decision Carefully

Ask your insurer or the other party's insurer for a written explanation of why they found you 50% at fault. You have a right to know how they came to that conclusion.

Step 2: Gather Strong Evidence

Collect anything that supports your version of events:

• Dashcam footage
• Photos from the accident scene
• Police report from the CHP or local police
• Witness statements

Step 3: Submit a Formal Appeal

Write a clear letter to your insurance company disputing the 50/50 decision. Include all your evidence and explain why you believe the decision should be changed.

Step 4: Negotiate With the Adjuster

Be calm and professional when speaking with the claims adjuster. Stick to the facts, refer to the evidence, and avoid admitting faults.

Step 5: Consider Small Claims Court

If you can't reach an agreement, you can file a case in California Small Claims Court. It's a faster and more affordable way to resolve disputes without hiring a lawyer.

What Evidence Can Overturn a 50/50 Insurance Claim Decision in California?

The stronger your evidence, the better your chances of getting the decision changed. Here are a few examples of evidence that can make a difference:

• Dashcam or surveillance footage: This is often the clearest way to show who caused the accident.
• Witness statements: If someone saw what happened, their account can support your claim.
• Police reports: These often include details about who was cited, what the officer observed, or diagrams of the scene.
• Accident reconstruction: In complex cases, experts can analyze damage, skid marks, and vehicle movement to determine fault.

You can also request the police report from the California DMV or the law enforcement agency that responded to the scene.

Does a 50/50 Insurance Claim Decision Affect My Compensation and Premiums?

Yes, it can. In a 50/50 claim:

• You can only recover 50% of your damage from the other party's insurance.
• You might have to pay half of their damage, too.
• Your collision coverage might pay for repairs—but you'll still have to pay your deductible.
• Your insurance premiums may increase if your insurer sees you as partly responsible.

Some drivers also ask if they can sue for the other half of the damage. In some cases, yes, but you would need strong proof that the other driver was more than 50% at fault.

Top 5 Mistakes People Make When Disputing a 50/50 Insurance Claim in California

If you want to successfully dispute shared faults and improve your chance of getting fair compensation, avoid these common insurance claim mistakes:

1. Not gathering evidence early
2. Admitting fault to the adjuster
3. Filing a weak or emotional appeal without supporting documents
4. Ignoring deadlines set by your insurer
5. Not knowing your legal rights

If you're unsure what to do, reach out to the California Department of Insurance or organizations like Consumer Watchdog, which offer help for policyholders.

Can I Sue My Insurance Company for an Unfair 50/50 Claim Decision?

If you believe your insurer acted in bad faith, you may have legal options. California law protects policyholders from unfair claims handling.

Here's what you can do:

• File a complaint with the California Department of Insurance.
• Go to Small Claims Court if the disputed amount is within limits.
• Hire a personal injury attorney if the damages are significant and you feel your rights are violated.

California also has the Unfair Claims Settlement Practices Act, which holds insurance companies accountable for acting unfairly.

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Can a Lawyer Help Me Fight a 50/50 Insurance Claim in California?

Yes. A personal injury attorney can help you when you're stuck in a 50/50 insurance claim decision and feel like you're going in circles with the adjuster; bringing in a lawyer might be the smartest move you can make.

An auto accident attorney knows exactly how to dig into your case, point out flaws in the insurance company's reasoning, and present strong arguments backed by solid evidence. They can help you:

• Analyze your case and evidence
• Help you negotiate with the insurer
• Represent you in court if needed

If your claim is small, an attorney might not be cost-effective. But in more serious cases, legal support can make a real difference.

Look for a lawyer with experience in a car accident and insurance dispute cases. You can check reviews on the Better Business Bureau (BBB), and Avvo or request a free consultation.

What to Say (and Not Say) to an Insurance Adjuster in a 50/50 Liability Dispute

Speaking to an insurance adjuster after a car accident, especially when you're disputing a 50/50 insurance claim decision, can feel like walking a tightrope. One wrong word might hurt your case, so it's important to go in prepared.

Here's how to handle that conversation with confidence:

• Stick to the facts: Only describe what you know for sure. Avoid making guesses or assumptions about how the accident happened.
• Avoid admitting faults: Even a small comment like "I didn't see them coming" can be twisted and used against you in the claims process.
• Ask questions: Request a full explanation of why they assigned you 50% liability. Understanding their reasoning can help you build a stronger counterargument.
• Back up your side: Refer to any supporting evidence you've gathered—dashcam footage, witness statements, photos, or the police report.
• Document everything: Write down the date and time of your calls, what was said, and who you spoke to. If possible, follow up on important conversations with an email confirming what was discussed.

Remember, insurance adjusters work for the insurance company, not for you. Their goal is often to settle claims quickly and at the lowest cost—not necessarily to get you the fair compensation you deserve. That's why being careful with your words and knowing your rights under California's comparative negligence law can make a big difference in the outcome of your car accident insurance dispute.

What Are Your Rights After a 50/50 Car Accident Insurance Decision in California?

Just because your insurance company says you're 50% at fault doesn't mean the conversation is over. In California, you have the legal right to challenge an insurance fault, especially if you believe it was made in error or without enough evidence.

Here's what you can do to protect yourself and your auto insurance claim:

• Challenge the liability decision directly with your insurer by providing additional evidence.
• File a formal complaint with the California Department of Insurance (CDI) if you believe your insurance provider is acting in bad faith.
• Consult with an experienced car accident attorney to review your case and determine the best strategy to dispute the fault.

Don't assume you're stuck with an unfair outcome. California drivers are protected under consumer and insurance laws that require fair handling of claims.

Need Help Disputing a 50/50 Insurance Claim?

Contact Fassonaki Law Firm, P.C. today. Our legal team helps California drivers fight unfair insurance claim decisions and recover the compensation they deserve.

Call us at 323-524-8994 or visit our contact page to schedule your free consultation.