Who is responsible for determining legal liability in an insurance case?

The court, jury, or judge is responsible for determining legal liability in an insurance case because their role is to interpret the law, assess the facts presented, and make a ruling based on legal precedents and the evidence provided. This determination often arises from disputes between the parties involved, where the circumstances of the case are presented in a legal context.

While the insurance company and the adjuster play significant roles in processing claims and evaluating the circumstances surrounding them, they do not possess the legal authority to render decisions regarding liability in formal disputes. The claimant may make assertions about who is liable, but this does not constitute a legal determination. It is the court or the jury that holds the responsibility and authority to formally establish legal accountability for incidents that lead to claims.