Fault Determination Rules.
Someone is always deemed to be "at-fault" in a car accident, whether partly or fully. The law requires insurance companies to assign the percentage of fault for each of the drivers involved in the accident. This is done by using the "Fault Determination Rules". If you are involved in an accident and it is determined that you are at-fault - either completely or partially - it will go on your insurance record and you'll likely have to pay a lot more for your coverage.
These rules, which are set out in a regulation under the Insurance Act, help insurance companies deal with accident claims quickly and economically. The Fault Determination Rules differ from any charges laid by the police under the Highway Traffic Act.
Here's an example: Say you were unable to stop your car on an icy road. You rear-ended another car and the police officer told you that "no one was at-fault". This usually means that no police charges will be laid. It does not mean that the insurance companies involved will not consider who was at-fault. In this case, the insurance company would apply the Fault Determination Rules. This states that a car that rear-ends another car is at-fault (since drivers are required to take road conditions into consideration).
Your percentage of fault will determine the amount of deductible you have to pay. Generally, if you're fully or partially at fault in an accident, insurance companies will increase your premiums at your next renewal date.
In Ontario, companies are required to use Regulation 668, Fault Determination Rules, to assess fault in an accident for purposes of vehicle damage. These rules:
- cover more than 40 accident situations using diagrams to illustrate specific occurrences;
- can be applied to almost every possible road collision scenario; and,
- are applied regardless of road or weather conditions, visibility, point of impact on the vehicles, or the actions of pedestrians.
View Fault Determination Rules
Liability Claim.
Liability insurance is the most basic type of automobile ins. It pays in case the insured is responsible for a car accident. In general, it covers medical injuries as well as a property damage to the other motorist. It may also insure pain and suffering and legal demands for payment of the other driver too. Car proprietors are required to carry liability insurance in the great majority of countries. It`s also needed for rental autos and for motorists of third-party owned vehicles.
The rules of liability are not complicated. They require nothing more than common sense. Liability revolves around the simple fact that most accidents happen because someone was careless - or negligent.
Liability insurance regularly protects the named insured on the insurance policy, the named insured`s husband or wife as well as children, any blood relative of theirs by marriage, and also anybody driving the automobile with the insured`s permission. Online motor insurer covers named automobiles in the policy, and also additional autos that the named insured replaces the original named car with in the policy.
Even if person is responsible for a car accident insurance will compensate for all reasonable and necessary medical expenses not covered by another health plan or oher extended health policy.
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