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No-fault insurance refers to the system by which insurance claims are handled in Ontario. Having this system doesn’t mean you can’t be found at fault for an accident. In every claim situation where two drivers are involved a set of government rules are used to determine who is at fault and each person’s respective insurance company will handle their claims.

CAA Insurance operates in Ontario, Nova Scotia, New Brunswick and Prince Edward Island. No fault insurance is law in Ontario, NB, PEI and NS. We also do optional auto in BC.

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 file a claim under the policy. The Highway Traffic Act of Ontario indicates that you must report any accident that involves an injury. You must also report any accident in which the total damages to all vehicles and property is greater than $2,000. Notify us within seven days after the accident, or if unable to, as soon as possible.

In Nova Scotia, New Brunswick and Prince Edward Island, you must promptly notify us of any accident that involves 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.

Assessment of rates for the most part is based on who is liable for the accident. Whether or not you make an Accident Benefits claim, it is not a factor when calculating rates.
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 they have valid insurance), you will typically not be required to pay a deductible.

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

Information obtained should include:

  • 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 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. While most information would be recorded by police, it is still prudent to get as much of the above information as possible as police reports take as long as 8 weeks to obtain if we need to order them.