Kanetix Forum

I live in Ontario, and was in an accident last month. How does my insurance company determine if I am at-fault or not?

A common misconception is that the police will determine who is at fault in the accident. While they may charge drivers at the scene with various driving offences, this rarely has an effect on the determination of fault for insurance purposes. Your insurance company will determine who was at fault in an accident using the Fault Determination Rules, which you can view online at:

Insurance Act: R.R.O. 1990, REGULATION 668: Fault Determination Rules

Sean Graham, Principal Broker at KTX Insurance Brokers.

Neither Kanetix® nor the KanetixForum.ca is an insurance broker or agent. Although this information has been passed along to you from KTX Insurance Brokers through the Forum, we are not responsible for the opinions expressed by them. Insurance can be complicated. When reading these answers, keep in mind each person¿s situation is unique. Individual responses may vary depending on your insurer, geographic location, and specific circumstances. If you have a similar situation, always speak with your insurance provider, or a licensed insurance representative, for terms and conditions that may apply to you.

While this question is specific to Ontario, I found some information about how fault is determined in British Columbia, in case someone from out there reads this post:

British Columbia:
The claims section of the ICBC site has a section specifically titled, 'Determining fault for crashes' which can be viewed at:

http://www.kanetixforum.ca/2009/09/how-does-my-insurance-company-determine-if-im-at-fault-or-not/