No fault insurance OntarioNo fault insurance Ontario; it's not quite what it sounds like! As a driver in Ontario, who has not had an accident, you might be surprised to find out what no fault really means when it comes to your car insurance in Ontario. The key cause for confusion is that no fault makes it sound like you can have an accident and your rates won't go up. But in every accident someone is found to be at fault, or fault is shared.  All that "no fault" means is that you go to your own insurance to settle a claim, instead of "going after" the other person involved. But someone is found at fault in every accident for future insurance rating purposes. So let's go back to your car insurance rate changing after an accident. In some cases it's pretty obvious who is at fault. For example, if you rear end someone, you are at fault. And your rates will reflect that accordingly. But what if you are driving and hit an ice patch, causing you to slide off the road? You will be "at fault" for the accident, and it will impact your rates just as much as an accident where you rear end someone Confused?? Visit Ontario Auto Insurance Questions to ask a question about this or anything else about auto insurance. Read more about car insurance in Ontario Canada
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