At-Fault Car Accident? Here’s How It Affects Your Insurance

Been in a car crash and worried about your insurance? Here’s what you need to know:

After the Crash: Stay Calm and Collect Information

Resist the urge to admit fault, even if you feel apologetic. Let law enforcement sort it out. Exchange contact and insurance details with the other driver, but avoid discussing blame. Report the accident to the police and your insurer, providing an honest account of events.

How Fault is Determined

Insurance companies determine fault percentages, even if you don’t get a ticket. Ontario has specific rules for assigning fault. If you’re more than 50% responsible, your insurance premium may increase at renewal. Traffic violations or at-fault claims can also lead to surcharges.

Protecting Yourself: Accident Forgiveness

Consider adding accident forgiveness coverage to your policy. If you’ve been accident-free for six years, this can prevent a premium hike after a single at-fault accident. However, there may be a waiting period before your record is considered “clean” again, and this coverage might not be available for all vehicles. To regain eligibility after using it, you’ll need a clean driving record for several years (depending on your insurer).

Minimize the Impact of an At-Fault Accident

By following these tips, you can lessen the blow of an at-fault accident. Remember, don’t admit fault at the scene. Let the professionals handle it. Take steps to protect yourself financially.

Get a Free Consultation!

Being in an at-fault accident can be stressful, leaving you with questions about your insurance and potential legal options. A Car Accident Lawyer Toronto can offer valuable guidance and ensure your rights are protected. Don’t navigate this alone. Fill out our quick and easy online form for a free initial consultation. We’ll review your case and answer any questions you may have. Together, we can explore the best path forward.