Your own insurer handles key parts of the claim
DCPD and accident benefits are examples of first-party claim mechanisms.
Fault still affects property claims and records
Insurers still apply Fault Determination Rules.
Premiums can be affected
FSRA notes that a driver found 50% or more at fault has a good chance of a premium increase at renewal.
No-fault is not immunity from liability
Third-party liability coverage remains a core part of the policy.
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.