Quote Unquote - September 2011


Q) I was involved in a car accident where I was deemed "not at fault" but I don’t have collision coverage and there were damages to both vehicles.  I live in Ontario. Will I have to pay for damages out of pocket?

A) In the province of Ontario, if you’re deemed not at fault you will not pay for damages out of pocket as it will be covered under the Direct Compensation portion of your auto insurance policy.  In Ontario, Direct Compensation is a fixed option in all car insurance policies.  If however you’re deemed to be partly at fault or completely at fault and do not have collision coverage on your vehicle, you will have to pay for expenses and damages out of pocket.  The amount you might pay will vary depending on the type of accident and fault determination rules.

Have a question you'd like answered? Please send us an email at [email protected].

Check back every month for new Quote Unquote questions and answers about insurance from readers just like you.