Insurance marked me at-fault but I just won the lawsuit — can I get that cleared?

I went through something almost identical. Insurance slapped an at-fault label on me, I fought it in court and won, then had to go back and deal with the insurance side separately. The court win definitely helped but it wasn't automatic — I had to formally dispute it with my insurer and submit the judgment documents. Took a few months but they did eventually update it. Don't give up, it's worth pushing.

Former adjuster here. Insurance companies make their fault determinations independently from courts — they're operating under their own policy language and internal guidelines, not legal standards. That said, a written court judgment is about as strong as evidence gets. Most carriers have a formal dispute or reconsideration process. Call your insurer, ask specifically to open a 'fault determination dispute,' and reference the court order immediately. Don't just send an email and hope someone notices it. Be persistent and document every conversation.

The court judgment is your best asset here. Get certified copies of the final ruling — not just a printout, actual certified copies from the court clerk. When you contact your insurer, ask them to put the dispute process in writing and request confirmation of who is handling your file. Also worth checking whether your state insurance commissioner has a complaint process, because if the insurer refuses to revisit a determination that a court directly contradicted, that might be worth escalating.

Don't be surprised if they give you the runaround. Insurers have zero financial incentive to rush through reversing an at-fault mark — they've already been collecting your higher premiums. Go in with the paperwork ready, stay firm, and don't let them stall you with 'we'll look into it' indefinitely. Set a timeline in every conversation and follow up in writing.

Not legal advice, but the certified court judgment is genuinely powerful documentation in this situation. Most states also allow you to file a complaint with the Department of Insurance if your insurer refuses to reconsider a determination that contradicts a court ruling. If your insurer is completely unresponsive, a quick consult with a local attorney who handles insurance bad faith cases might clarify your options. Many do free consultations.

Call them today. Don't wait. Every month that passes is another month at an inflated premium rate. Bring the judgment, be calm but direct, and ask them specifically what their internal dispute process requires. If the first rep doesn't know, ask for a supervisor. This is fixable — but only if you push.

Honestly this whole situation sounds so exhausting. You went through an accident, then a lawsuit, won in court — and now you still have to fight the insurance company? I really hope you get this sorted. You deserve to have your record reflect what actually happened.

Quick question — did the court rule on pure liability, or was there any comparative fault finding at all? Because if the judgment had even a small percentage assigned to you it could complicate things with the insurer. A clean 'judgment for defendant, zero liability' is a very different document than one with partial fault findings.