Claims & Fault
Ontario claim reporting, Fault Determination Rules, accident benefits, repair/write-off issues and disputes.
After an Ontario auto accident: insurance reporting basics
FSRA says an accident should be reported to the broker, agent or insurer within seven days, or as soon as possible after that.
Ontario Fault Determination Rules explained
Ontario insurers use prescribed Fault Determination Rules to assign insurance fault after a collision.
What 'no-fault' auto insurance means in Ontario
Ontario's no-fault framework does not mean nobody is found at fault; it largely describes how insured people claim through their own insurer while fault is still determined.
Ontario auto-insurance claims process
After a claim is reported, an adjuster determines what coverages apply, what information is needed and how the insurer will handle repair, injury and other claimed losses.
Accident-benefits claims after July 1, 2026
The benefits available after an accident now depend more heavily on which optional benefits were purchased and which person is claiming them.
Repair vs total loss in an Ontario auto claim
An insurer generally compares the cost to repair the vehicle with its actual cash value under the policy.
How deductibles work in an Ontario auto claim
Whether a deductible applies depends on the coverage used, the policy and sometimes fault allocation.
Disputing an Ontario auto-insurance decision
If an insured disagrees with a claim decision, the right escalation path depends on whether the dispute concerns fault, property damage, accident benefits or another issue.
Ontario auto-insurance fraud and scam warning signs
Fraud can involve staged collisions, false claims, inflated services, dishonest sales or impersonation.