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Use "at-fault" in a sentence
"If you avoid the deer and damage the vehicle then it is covered under collision coverage, and is considered an at-fault accident, which is likely to raise your insurance rates."
"Insurance companies can file claims against the insurance of the at-fault party; but this would only be to cover your deductible."
"Depending on the jurisdiction, such fee rules vary as to who gets charged (all vs. only non-resident at-fault drivers), how much ($100 to $2,200), and for what (fire, police, equipment operating costs, services beyond basic response)."