How Do Insurance Companies Decide Who Is At Fault For Accidents?

Whether it has happened to you or a friend or you have slowed down and caught a glimpse on the freeway, accidents on the road frequently happen. While accidents are first and foremost a tragedy, in their own way they incentivize you to reevaluate your knowledge of the road and the insurance policies of the province.

When accidents do occur, drivers want to know how it happened, why it happened and who is at fault either partially or primarily. Insurance companies also must determine the degree of fault as the cause of the accident will likely adjust the at fault driver's car insurance premiums – usually through higher rates.

Accidents caused by making left turns in intersections raise many at fault questions for drivers. If an oncoming car is speeding through the intersection and hits another car that is attempting to make a left turn, insurance companies must decide which car is at fault for the collision. In the event that you are the driver primarily responsible for the accident, you will likely notice your rates are higher on your next insurance statement.

Ontario follows guidelines set out in the provincial fault determination rules. These regulations help insurance companies assess each accident accordingly, which involves an investigation into the cause of the accident and determining who is at fault based on the rules. If insurers decide that you are the driver who violated the rules, you can expect to see that fault on your insurance record – and expect higher rates as a result.

By taking the time to understand how your insurance company evaluates accidents and at fault claims, you could save yourself both time and money when searching for a viable car insurance provider. It's important for your own financial security to have an auto insurance company whose policies are both easy to understand and ensure your best interests are upheld in the event of an accident.