Does your insurance company need to inform you when you've been found to be at fault for an accident?

Perhaps some states require such notification but I have never been required to notify insureds of my liability determinations. You insurance adjuster sees far too many claims to be able to make extra calls to discuss the claim. Any adjuster I know will, however, be glad to answer any questions you have. Call them, or call your agent if you want to know! By the way, your adjuster has nothing to do with any premium increase. The adjuster's role is determine coverage and liability for a given loss, then adjust claims for damages. Premium increases are the result of a statistical increase in the likelihood of you experiencing another loss in the future which is based partly upon past claims you have had.