Fault is not the same as a traffic charge
A driver can be charged and still receive a different insurance-fault determination, or receive no charge and still be found at fault.
Fault can be shared
Drivers can be assigned percentages from zero to 100.
The rules use defined accident scenarios
FSRA says the rules use diagrams covering more than 40 accident situations.
Ask which rule was applied if you disagree
The claims adjuster should be able to identify the rule used.
Ontario-specific educational summary. Your actual rights and coverage come from the Insurance Act, regulations, the current Ontario Automobile Policy (OAP 1), your certificate, endorsements and the facts of the claim. Do not change coverage based only on a general web article.