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I had an accident. What does it mean when my insurance company says I am "at fault/not at fault"?

If you are involved in a car accident and your car is damaged, your insurance company is required, by law, to assign the percentage of fault to each of the drivers involved in the accident. If you are in an accident and yours is the only car involved, you're insurance company will most likely consider it an "at fault" accident (100% at fault). It is possible to be in an accident and be considered "not at fault" (0% at fault) or even "partially at fault" (50% at fault).

Fault is determined using the fault determination rules set out by your province and all insurance companies have to use the same rules. They are designed to help insurance companies deal with accident claims quickly and economically.

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