What is No-Fault Insurance?
No fault insurance is a term that can be mis-construed for Ontario drivers particularly when in the midst of having a claim through their insurance company. Auto insurance in Ontario operates under a no-fault system through a mandated auto insurance coverage called direct-compensation property damage. Many think that since it is named a “no fault system” that it means that in the event of a claim their insurance company won’t consider them at fault. As much as it would be nice if this were true, it simply isn’t the case. In fact, this Ontario no fault insurance system requires that drivers look to their own insurance company when it comes to their claim regardless of who is deemed at fault in the accident.
This no fault system was developed because insureds were getting frustrated with having to deal with a 3rd party’s insurance company. Unless damages exceed certain thresholds, insurance companies assume the costs for their insureds and do not subrogate against other auto insurance companies. This no fault system helps claims to be processed much smoother and in the end saves legal costs and frustrations. On your insurance policy, a percentage of your policy provides this DCPD (no fault insurance) coverage.
If you have any other questions concerning no fault insurance in Ontario Canada, please take a few minutes to give some details about yourself. See the link below. After you do, Kyle Wijnands will be sure to reach out to you and discuss how he can get you cheap auto insurance with the very best customer service! He can also be reached directly at 519-393-3246.
"We have been with Tradition Mutual Insurance for 60 plus years Kyle is one of the BEST agents we have ever had Full marks on everything!"
I have my car insurance with Tradition Mutual Insurance and am very pleased with the rates as well as the service I have experienced. Kyle will be sure to provide you with excellent customer service answering any question you may have thoroughly and honestly. He has excellent communication skills and does well to ensure that your insurance needs are met and exceeded.
Kyle found me a much better fit for my auto insurance for a cheaper price and was very easy and pleasant to work with! Kyle was very prompt and responsive and never pushy or sales-y. Super great to work with!"
More than the cheapest car insurance but the best customer service and claim experiences you will find in Ontario, Canada