NO_FAULT Insurance - Whose fault is it ?

cartera45
Sat, 12 Jul 2008 01:41:07 +0000

No fault insurance typically applies to bodily injury only - not to property damage. The laws are different from province to province though. Even if no fault does apply to property damage, it doesn’t really mean that no one is judged as being at fault. Ontario has rules as to who is at fault and a person rear ending you will be at fault. Collision insurance covers the damage to your car if you are at fault so the lack of collision insurance has no impact when you’re not at fault. Comprehensive doesn’t apply in collisions with other autos. You may end up having to sue your own insurance company.