When someone reports an accident to TDIC, a liability examiner is assigned to investigate the accident thoroughly. This process is called the liability investigation.

How TDIC Investigates a Claim
After an accident, we commonly follow these steps to make sure we get all the facts:

• The liability examiner reviews the insurance policy and the coverage in effect for the loss to determine what types of damage or injuries are covered.
• The liability examiner attempts to contact everyone involved in the accident.
• When there are conflicting versions of what occurred, the liability examiner conducts an interview with each person involved. These interviews help resolve disputes over the facts of the accident.
• The liability examiner gathers and reviews additional relevant information, such as the police report, applicable state and local laws and photos of the scene.

The liability examiner considers all the facts, determines the cause of the accident and handles the claim accordingly. We are always willing to re-examine our decision if new information about an incident becomes available.

Negligence Versus Strict Liability
Negligence is a failure to exercise the care that a reasonably prudent person would exercise in like circumstances. Negligence involves harm caused by carelessness, not intentional harm. Strict liability makes a person legally responsible for the damage and loss caused by his/her acts and omissions regardless of culpability. Under strict liability, there is no requirement to prove fault, negligence or intention.

This material is intended for general information only. It does not expand coverage beyond the policy contract. Please refer to your policy contract for any specific information or questions on applicability of coverage.