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Ontario has a "no-fault" car insurance system, but this does not mean that no one is at fault in an accident. The term "no-fault" insurance simply means if you are injured or your car is damaged in an accident, then you deal with your own insurance company, regardless of who is at fault.

If you are not at fault, although it may differ in each province, in general, your premiums should not go up as a result of your claim.

Ontario has a "no-fault" car insurance system, but this does not mean that no one is at fault in an accident. The term "no-fault" insurance simply means if you are injured or your car is damaged in an accident, then you deal with your own insurance company, regardless of who is at fault.

Insurance companies determine fault, through direct or indirection action of its insured persons, using the fault rules. Fault is determined without caring about the circumstances, including the weather conditions, the road conditions, visibility, or actions of pedestrians.

A no-fault system means you will only deal with your own insurance company, but it doesn't mean you can't be found at-fault. After a collision, all associated insurance companies look to the fault determination rules to determine who was at fault, or partially so.

In most cases, it is not a simple determination. ing to the Alberta rules and laws, every party needs to provide necessary information regarding the incident scene. Then on the basis of the reports of police and their information, it is determined.

In most situations, the vehicle making the lane change or entering a lane of traffic is at-fault. This includes changing lanes, turning into a lane of traffic, merging onto the highway, and any other situation when a vehicle moves across the line.