Automotive Insurance Frequently Asked Questions

These questions and answers are not expected to replace or modify your policy of insurance, The Statutory Accident Benefits Schedule, or the Insurance Act applicable to the loss. For the definitive answer to all of your questions it is recommended that you refer to your policy booklet, the Statutory Accident Benefits Schedule, or call us at 1-877-222-1717.

General Insurance Claims FAQs

What is No-Fault Insurance?

Each party involved in an accident reports to their own insurance company, regardless of who is at fault. “No Fault” refers to the fact that regardless of fault each person reports to their own company and companies do not sue each other to recover on certain types of losses. “No-Fault” does not literally mean that no one is “at fault”. The insurance company is compelled to assess fault using the Fault Determination Rules that are part of the Insurance Act. CAA Insurance operates in Ontario, Nova Scotia, New Brunswick and PEI. The No-Fault principle exists in Ontario and in New Brunswick.

What is a reportable claim?

As part of the Ontario policy, you agree to inform us of any incident involving the automobile that must be reported to the police under the Highway Traffic Act or for which you intend to make a claim under the policy. The Highway Traffic Act of Ontario indicates that you must report any accident that involves an injury, and must report any accident in which the total damages to all vehicles and property is greater than $1000. You must notify us within 7 days after the accident, or if unable, as soon as possible after that.

In Nova Scotia, New Brunswick and Prince Edward Island, you must promptly notify us of any accident that involves injuries of damages to someone else's property or vehicle. If your own automobile is damaged and if the damage is covered by the contract, you must also notify us promptly.

If I make an Accident Benefits claim will it affect my insurance rates?

Assessment of rates for the most part is based on who is liable for the accident. Whether or not you claim for Accident Benefits once you have submitted a claim is not a factor when calculating rates.

Why do I pay my deductible?

The deductible is the amount you agree to pay toward the cost of any claim you make and the deductible, if any, is shown on the Certificate of Automobile Insurance. The deductible applies each time a claim is made and separately to each automobile that is insured. Some sections of coverage do not have a deductible. For example, if you are involved in a motor vehicle accident in Ontario involving another vehicle and the other vehicle is “at-fault” for the accident, and if the other vehicle has valid insurance you will typically not be required to pay a deductible.

What details do I get at the scene of an accident?

After an accident, it is important for you to obtain complete information on the other party or parties involved. For example,

  • all vehicle information
  • License plate numbers
  • All names, addresses, and phone numbers
  • drivers license numbers for the other involved drivers
  • the location of the accident, e.g. major intersections
  • police information (if they attended the scene)

If the police have attended the scene, it is reasonable to assume that they will secure much of the above information. It is important that you get the officer's name, badge number and report number so that we can get the police report.