The term “
no fault insurance” can be a little misleading. While it may sound like no fault insurance allows you to skirt responsibility when you cause a car accident, this is definitely not the case. In Ontario, no fault insurance actually refers to the law that every party involved in a car accident is at fault and will be required by the insurance company to pay a percentage of the damages.
Each party involved in an accident will deal with his/her own insurance company to file a claim and receive financial compensation. There are certain government-regulated
fault determination rules that help insurance companies determine the fault percentages to assign to the various parties involved in accidents. According to the Insurance Bureau of Canada, there are specific rules for such situations as:
- Cars traveling in the same direction and lane
- Cars traveling in the same direction and different lanes
- Cars traveling in opposite directions
- Cars at an intersection
- Cars in parking lots
- Driving under the influence of alcohol or drugs
If you do not agree with the ruling of the insurance company, you can speak directly with the insurance adjuster to understand what fault rule applied to your situation. If you can supply new information or evidence that backs up your claim, the insurance company may change its decision. However, if nothing is revised and you still feel you were wronged, a no fault attorney may be able to help.
If you feel you have a no fault case, please contact the experienced attorneys at
Findlay Law Offices in Ontario today. We will examine your situation and determine whether or not you have a legitimate case against the insurance company.
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