Fault Determination Rules Ontario - Insurance Act

Published on Oct 10, 2013

Ontario''s Insurance Act is a piece of legislature that is mirrored across the country and sets out both the rights and the responsibilities of drivers in regards to auto insurance. The act also places controls on the insurance companies to ensure fair access to insurance and a set of fault determination rules Ontario insurance companies must use to ensure equality in assessing a car accident.

What The Act Requires of Drivers

The Insurance Act requires that all drivers carry insurance in a minimum amount of liability insurance, and it mandates the amount of accident benefits that the policy must carry. Accident benefits that are mandated include coverage for loss of income and death benefits that can be paid to any person who is injured or to the family of a person killed in an auto accident.

Drivers are required to ensure that their insurance policy is in force and paid up at all times, and to carry proof of insurance and present it upon request to law enforcement officials.

Drivers are also required to provide true and accurate information to insurance companies both when taking out a policy and when filing a claim. Providing false information is considered insurance fraud and punishable by law.

What The Act Requires of Insurance Companies

The Act requires that insurance companies provide fair insurance premiums within the confines of a set of parameters. While insurance companies can rate their policies as they choose, there are limits to how much they can charge a driver in any given situation. An insurance company does have the right to refuse to cover or non-renew a driver who does not meet their eligibility standards.

Insurance companies must ensure that all policies meet the minimum standards that all drivers are required to carry. They are required to provide prompt and fair claims service and must allow you to appeal any decisions they have made regarding your claim or settlement.

The Insurance Act and Fault Determination

The fault determination rules Ontario is what insurance companies use to determine who is at fault in an accident are outlined in the Fault Determination Rules that are part of the Insurance Act. These rules dictate exactly how any given accident should be examined and how fault is to be decided in each situation.

All insurance companies in Ontario are required to use the Fault Determination Rules when they are determining who is at fault in an accident. This ensures that accidents are evaluated in a fair and consistent manner. The rules are applied to every car accident regardless of extenuating circumstances such as weather or road conditions.

The Fault Determination Rules outline the various types of car accidents along with diagrams to help make it clear who is at fault and why they are at fault. This will help you when determining on reporting car accidents or not. You have the right to access this document, which is readily available online, if you are unclear on a fault determination decision or rule.

How The Insurance Act Protects You

The Insurance Act is designed to make certain that everyone on the road has the insurance they need in order to be financially responsible in case of an accident. That protects you in two ways; it ensures you won''t find yourself bankrupt if you are at fault in an accident, and it also ensure that you will be eligible for the benefits you need if you aren''t at fault or if you are injured.

The Act also protects you from unfair practices on the part of the insurance company, and gives you rights that come along with the responsibilities of driving. It ensures that all drivers are treated equally when claims decisions are made, and that you have the right to appeal decisions.


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