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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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