No insurance, and in a 'no-fault' accident

My coverage lapsed (I know it's bad but my former boss owes me pay checks dating back 9 weeks now...), I need to work and my new job isn't on a public transportation route, so I took my car. A lady pulled out in front of me and I T-boned her wrecking the front of my car. The police came and she was charged- it was a 'no-fault' accident for me.


I understand that I face charges for driving with no coverage but will her company still have to cover my car? Or am I out of luck since I have no company to go after her company?

No Fault Insurance in Ontario


The point of no-fault auto insurance in Ontario is that you go to your own company for claims. Since you don't have a company to go after, your only chance is to get legal advice and sue the other party for damages. If that is even possible.

You're in a bad situation that just got way worse. And it's unlikely that you'll get anything. But please consult a lawyer first.

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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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