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How is Fault Determined After an Accident?
How is Fault Determined After an Accident?
The Flaw in Ontario’s Accident Claims Process: Who is Really on Your Side?
From an economic and risk-management perspective, the accident claims process in Ontario presents a significant challenge: The lack of a neutral third-party arbiter at the scene.
In most Ontario collisions, the police will not attend unless there are injuries. Instead, drivers are directed to Collision Reporting Centres. This creates a vacuum where the "Fault Determination" is conducted by insurance adjusters. Since insurance companies are the payers, a potential conflict of interest arises, especially in complex cases where "split fault" might be applied to the detriment of the client's premiums.
⚖️ The Legal Safeguard: Reg. 668
Fault in Ontario is not subjective. It is strictly governed by R.R.O. 1990, Reg. 668: Fault Determination Rules. As a driver, you have the right to demand that any fault assessment corresponds directly to the specific scenarios outlined in this regulation.
🛡️ Advocacy Matters:
This is a primary reason why the Broker model is superior to the Direct Agent model.
Agents represent the insurance carrier's interests.
Brokers represent the client.
In the event of a claim, We as a broker don't just "process" your paperwork; we provide the analytical support and advocacy needed to ensure the Fault Determination Rules are applied fairly and accurately to your case.
Ensure you have an advocate, not just a policy.
🌐 Fanni Finance
🤝 Registered Insurance Broker with My Hunter Inc.
#RiskManagement #OntarioInsurance #FaultDetermination #Liability #InsuranceBroker
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