This story is about a man involved in a crash and the other driver admitted fault. Police issued a ticket, but when it came time for insurance to pay for the damage, that was another story.

When Justin Asmussen pulled his car into a body shop he was confident the other driver's insurance would pay all the repairs. "When she got that ticket from the police officer, I never questioned, I thought this was it."

Driving home at 5 p.m. on Farnam Street, Justin had the right to be on the inside lane when suddenly someone turned right into his front end.

The police report says the other driver told an officer she didn't know what lane she was in and was cited for making an improper turn. "I thought it was a slam dunk."

But the other driver's insurance carrier put the brakes on Justin's claim. American Family looks at police citations, evidence at the scene, drivers’ statements, roadway design and conditions and witnesses to determine fault.

A company spokesman tells Six On Your Side, "We look at all this information, not just one factor.” So Justin will pay the deductible on his insurance. “Whenever you get in an accident, you need to number one stop somebody as far as a witness goes and take pictures of your car," says Justin.

Jim Champion of the Charlie Graham auto body shop says he's seen other customers like Justin shocked that a ticket isn't enough to convince insurance adjusters which driver is at fault.

“Many times, they'll get back home, somebody will start coaching them, they'll change their story and at that point their insurance company will say hold on, our insurance says it wasn't their fault."

Here’s what you should do if involved in an accident and need proof that it wasn’t your fault. Witnesses are key, so write down names and phone numbers and if you witness a crash, even if it’s a minor one, offer assistance.

Have a camera handy to take pictures of damage, the position of the vehicles and the condition of the street. And remember, a ticket or police report in your favor helps, but don't put too much faith in those. It doesn't mean the other driver’s insurance will automatically cover your repairs.