Quote Unquote - September 17, 2008

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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


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