What does it mean if you are found to be more than 50% at fault in a crash?

Being found more than 50% at fault in a crash indicates that you were the primary cause of the accident. This determination can significantly impact your driving record. Insurance companies typically follow the principle of fault when determining how to handle claims, and being deemed at fault can lead to increases in your insurance premiums or difficulty in obtaining coverage in the future. Additionally, this can be documented by the RMV (Registry of Motor Vehicles), thus becoming part of your driving record. This record is reviewed when you apply for new insurance or when renewing your current policy, potentially leading to higher costs or restrictions on your policy.

In contrast, the other options do not accurately reflect the consequences of being more than 50% at fault. You would likely face penalties, including increased insurance costs, and the damages you caused would generally not be covered by your own insurance in the same way as they would be if you were not at fault. Furthermore, incidents of this nature are typically mandatory reporting events to relevant authorities, which would eliminate the possibility of being exempt from reporting.