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Quote Unquote – September 17, 2008

September 17, 2008

Q) In Ontario, what does “No Fault” insurance mean?

A) “No Fault” insurance is a system used in Ontario which means that if you are
injured or your car is damaged in an accident, you deal with your own
insurance company, regardless of who is at fault.
You don’t have to go
after the at-fault driver for vehicle damage reports and for the health care and
income replacement benefits to which you are entitled.

“No-Fault”
coverage pays for some or all of the insured person’s loss regardless of who
caused that loss. With “No-Fault” insurance, you would look to your insurance
company to pay your claim, even if the other driver caused the
accident.

For example, if you were injured in a car collision, you would
be able to access any medical benefits offered under your policy immediately
from your company, even if you were not to blame for the accident. You can get
the help you need right away, instead of having to wait for the insurance
companies to decide who was at fault before paying out any benefits.

Source: Insurance Bureau of
Canada

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