re: Any auto insurance Baws around?

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Thanks. Just curious, are you an Insurance Baw or a Law Baw? The reason I ask, is there any possible scenario where an adjuster can come up with his own conclusion that differs from the accident report?

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Law Baw.

Yes. The adjuster is not bound by the accident report and any findings of fault by the LEO and can make his/her own fault determinations (of course, they should conduct an investigation beyond the accident report). Now, that's not gospel (the judge or jury is the ultimate fact finder), but unless you file suit (or go to arbitration if that's allowed/required in Alabama), that determination will control the handling of your UM claim (and any payments).