fault

The other party would not be responsible for the damages. They can be ticketed and have their license suspended but you can still be found at fault.

Typically, the car that was backing out would be considered at fault. Every situation can be different and you may be both considered at fault.

The insurance companies determine fault when it filing a claim. Here is more information on what steps to take when filing a claim.

Unfortunately, fault can only be determined by claims adjuster personally assigned to the accident. However, for the other part of your question, because you were driving your company's vehicle on company time, if you were to be found at-fault then the company's insurance would take cover the damages.

Sorry to hear you were in an accident. How you file your claim can depend on if there are any injuries or if it is just damage to your car. For most car insurance policies, the only time you would file a bodily injury claim is when you are not at fault in an accident, meaning the other person caused you to sustain injuries requiring medical attention.

This can be a tricky situation. Although we're both licensed insurance professionals, only a claims adjuster would able to handle this so that is where I would take my question.

Sorry to hear you were in an accident. First, the only people who can determine fault in an accident are insurance companies through their insurance adjusters.

Normally if a driver has a medical condition that makes it unsafe for them to drive, their doctor will notify the DMV and their driving privileges will be limited or revoked for safety purposes. A handful of insurance companies do require that their agents confirm or inquire about medical conditions of any drivers listed on the policy that may make them unsafe on the road.

Fault is actually determined by the insurance company based on the specifics of the crash. Auto insurance coverage generally follows the vehicle, but if you don't actually insure the car then he would need to file a claim with his insurance provider.

You would file the claim since you were driving at the time of the accident. Unless the vehicle is totaled, however, there won't be any payout from the insurance company to anyone other than the repair shop.