What follows, then, is a primer on how insurance claims may, or may not, affect your insurance rate.
First up is fault determination. If you’re in a collision, you’ll either be found fully (100%) at fault for causing it, partially at fault or fully not at fault. In Ontario, the degree of fault is determined by the Fault Determination Rules, which all insurance providers must follow. These rules are in place to ensure all drivers are treated consistently and fairly.