When Are You Liable For The Driving of Another Person?

Car accidents are undoubtedly challenging to deal with and they are also quite common. As unfortunate as it may sound, one of the key issues when it comes to dealing with them is determining the driver which was at fault. However, it is also true that this doesn’t have a significant impact on the compensation claim as there is one very particular and special rule in Canada and especially in Ontario.

How is fault assigned and why doesn’t this matter that much?

Unlike the legislation in a few states, in Canada, there is the “no fault” rule which is prevailing and it sets forth a completely different cause of action. In the states, or at least in some of them, it is very important to determine the fault as this is the main and key consideration which would determine the overall distribution of the burden to repay damages. However, this is totally not the case in Canada.

Rules of Fault Determination

The first thing that you need to understand is that the legislation which governs these types of cases is set forth in the Insurance Act of Ontario. There is a very special section in it which is called the Rules of Fault Determination. Amongst them, the no fault rule is one of the most important to consider. With this in mind, this particular rule states that regardless who is at fault, you need to ensure that you file your claim with your own insurance company. This is particularly important and it gets rid of the necessity to start an investigation and waste time. Insurance is mandatory in Canada so you can claim damages under it with your own insurance provider.

This is quite convenient and it is definitely something that you want to take into consideration when it comes to it. Of course, this doesn’t mean that fault isn’t assigned. As a matter of fact, in the majority of the situations, the insurance company is going to go ahead and conduct its own investigation and allocate the necessary amount of fault. This is important as it is going to impact the overall amount of the premiums to the faulty driver. However, as per the negotiations, the insurance company is going to try and lower the amount of compensation due.

All in all, this shouldn’t make you feel more comfortable. Even though the whole thing is intended to spare time and effort of the victim, the procedure is also quite challenging. This is the main reason for which you want to consider getting a personal injury lawyer to help you out if you have been injured or involved in a car accident. This is going to ensure that the lawyers will ensure that they handle it properly. You will get the compensation you are entitled to as expert lawyers with a successful closures in similar accidents can be of assistance.

Who Is At Fault When It Comes To Car Accidents?

The unfortunate truth is that the country of Canada sees quite a lot of car accidents on a daily basis. Ontario is absolutely no exception from this. Of course, as the accident happens, any insurance claim or any personal injury case is likely to raise the matter of who’s the driver who is at fault. This is definitely something to take into consideration. However, finding the right answer when it comes to it has never been so easy. (more…)

Key Considerations For Car Accidents Injuries To Be Considered Catastrophic

There are quite a lot of different sub-types when it comes to car accidents and other vehicular accidents but the most devastating and serious ones are those which are referred to as catastrophic or CAT cases. However, it’s important to understand that just because the incident looks quite terrible, it doesn’t necessarily mean that it has to be catastrophic. Furthermore, just because the injuries are serious, it also wouldn’t mean that they are catastrophic. (more…)

Are Devastating Personal Injuries Due To Motorcycle Accidents?

Car accidents are common, that’s true. However, the province of Ontario is also famous for the fact that it has quite a lot of motorcycle riders and an overall attraction towards bike riding. However, motorcycle accidents are particularly dangerous and potentially devastating. The majorities of them, especially of those which tend to happen outside of the city, are catastrophic and end up with tremendous injuries. (more…)

Understanding The Facts Behind Auto Insurance Issues

The unfortunate truth is that car accidents as well as motor vehicle accidents as a whole remain the most popular cause of personal injury cases in Ontario. This is quite logical, though, considering the increasing number of vehicles which take part in the overall traffic. The steps that you take after the accident are critical when it comes to determining the overall amount of money that you can recover. (more…)

How Does An Insurance Company Decide What Is A Fair Settlement?

Fair. It’s a word that can be very subjective, especially when it comes to a personal injury claim. It’s always important to keep in mind that the insurance company that you pay premiums to each month is a profitable business. As much as you would like to think that your best interest is being considered by them, in all honesty, their first responsibility is to shareholders and their own financial bottom line. (more…)