Can it be both of our faults?

by roberta
(Toronto, ON)

I was backing out of my mutual driveway, I looked and nobody was coming. I put it in reverse and looked over my right shoulder. The neighbor, driving front, came through the houses and we hit each other. Damage to both cars. I think it is both of our faults, she thinks it is mine. Who decides this and do we have to report it? Can it be both of our faults? Will insurance go up if it is both of us?


My bumper hit the front side above the front tire.

Accident in Mutual Driveway


Hi Roberta,
In most cases, the insurers deem the person backing up to be at fault.

The person deemed to be at fault will have an increase in their rates. And if it was deemed to be 50-50 then both parties rates would increase.

Hopefully you can work something out!

By the way, are your rates too high? Check here:

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Note: Always speak with a licensed insurance professional about your specific situation. This insurance information is general in nature and the policy wordings always take precedence. It is possible that there are errors and omissions in this website and www.canada-insurance-source.com, or its authors, take no responsibility.

Keep in mind that insurance licensing, legislation, and policies often vary by province and most certainly by country. Canada Insurance Source is a free information source. So use this site to gain a general understanding of insurance with your own area and situation in mind.  Make sure you review the "please read" page. Always speak with a licensed insurance professional about your specific situation.

Always speak with a licensed insurance representative about your specific situation.

This site is general in nature and there may be errors or ommissions

Please Read

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