The truth is that there are quite a few different things that you would have to take into account if you have been involved in a car accident and you’ve decided to file a compensation claim with your insurance company. Someone is always going to be at-fault, regardless of whether it’s partially or fully.
The first thing that you have to consider, however, is that the province of Ontario is governed by the “no fault” rule which is definitely to be considered. This means that you are entitled to compensation from your own insurance company regardless of who’s at fault. Of course, this doesn’t mean that fault isn’t assessed and allocated. There are a lot of consequences which stem from faulty behavior, especially when you’ve breached the law and caused an accident.
Specifications Surrounding Fault
Insurance companies have to determine the overall degree of fault which is to be assigned to each one of the drivers. The purpose of this is to determine which property damage coverage is going to apply to the accident. At the same time, it’s also important to understand that the driver who has more than 25% of the fault is going to get adjusted premiums – they will get elevated, which has to be accounted for.
The Insurance Act as well as the Fault Determination Rules which are in the Insurance Act are designated to ensure the fault allocation of each accident. With this in mind, the rules are regulations which are actually put in place in order to assist the insurance company to provide different consumers with prompt and actionable claims which are handled consistent and properly.
After you report your claim to the insurance company, the latter is going to conduct its own internal investigation in order to determine the circumstances of the circumstances of the entire accident. Once this is done, it’s going to make a decision based on the Fault Determination Rules and allocate fault accordingly. This will help you get the compensation that is legally yours.
Fault Determination Rules:
· Are applied regardless of the visibility, point of impact, weather and road conditions and others of this kind
· They also cover more than 40 different situations and handle them by using diagrams in order to illustrate specific situations. They could be applied to almost all of the road collision scenarios
Keep in mind that if you don’t want any troubles and further complications, it would be best if you took advantage and hired a professional personal injury lawyer in Kitchener. This is going to ensure that they will work per the legal standards and you receive the necessary amount of compensation without getting a significant increase on your insurance premiums. However, as each case is different, it is important that you get your case evaluated by the lawyer so that you are aware about the amount of compensation you will receive.