Liability in an accident

If you're involved in an accident, who establishes your liability: the police or the insurer?

It's your insurer, always your insurer. Therefore you don't need to have the police come for an accident where there are no injuries. Just fill out a Joint Report, the document used to identify the parties involved and report the accident quickly to your insurer.

To establish your liability, your insurer will use the Direct Compensation Agreement, which illustrates every possible accident scenario. 

If the accident was not your fault, you'll be compensated by your insurer and you won't have to pay the deductible. If you were at fault, your insurer will compensate you only if you purchased Collision coverage under Section B of your policy. You'll then have to pay the policy deductible.