Nearest broker: Searching for a broker nearby…
Nearest broker: , Edmonton, AB Phone: 780.755.0110 5020 Lac St Anne Trail N, Onoway, AB, T0E 1V0 Phone: 780.967.2282 , Edmonton, AB Phone: 825.467.5631 206 Pembina Rd, Sherwood Park, AB, T8H 0L8 Phone: 780-732-8616 10060 Jasper Ave, Edmonton, AB, T5J 3R8 Phone: 780-435-3632 , Calgary, AB Phone: 403-532-4882 322 Avenue C S, Saskatoon, SK, S7M 1N4 Phone: 639-398-4170 5317 50 Ave, Taber, AB, T1G 1V3 Phone: 403-223-2377 110a McLeod Ave, Spruce Grove, AB, T7X 2H8 Phone: 780-571-1144 496 Marquis Rd, Prince Albert, SK, S6V 8B3 Phone: 306-970-8080 335 Hwy Avenue N, Picture Butte, AB, T0K 1V0 Phone: 403-732-6023 2201 Box Springs Blvd NW, Medicine Hat, AB, T1C 0C8 Phone: 403-487-5132 550 Wt Hill Blvd S, Lethbridge, AB, T1J 4Z8 Phone: 403-394-1123 734 13 St N, Lethbridge, AB, T1H 2T1 Phone: 403-328-9114 5 St SE, High River, AB Phone: 403-652-4104 9904 103 St, Fort Saskatchewan, AB, T8L 2C9 Phone: 780-998-0881 201-4271 23 Ave NW, Edmonton, AB, T6L 5Z8 Phone: 780-466-2136 3908 97 St NW, Edmonton, AB, T6E 6N2 Phone: 780-465-6900 8170 50 St NW, Edmonton, AB, T6B 1E6 Phone: 780-469-9378 52 Ave, Drayton Valley, AB Phone: 780-621-1707 1331 Macleod Trail SE, Calgary, AB, T2G 0K3 Phone: 403-278-1050 1331 Macleod Trail SE, Calgary, AB, T2G 1E1 Phone: 403-255-2252 234-7 Westwinds Crescent NE, Calgary, AB, T3J 5H2 Phone: 403-775-2100 , Calgary, AB, T3K 0S8 Phone: 403-719-9995 5114 2 St, Boyle, AB, T0A 0M0 Phone: 780-689-3946 50 Ave, Bonnyville, AB Phone: 780-826-3147 12931 20 Ave, , AB, T0K 0E0 Phone: 403-562-2191 2903 Kingsview Blvd SE, Airdrie, AB, T4A 0C4 Phone: 403-945-8885

Who decides who is at fault in a car accident?

Auto Insurance

By Joanne Lemna | April 28, 2017

Determining who is at fault in a car accident can lead to a pretty sticky situation. Accidents are traumatic no doubt about it. Both parties emerge shaken sometimes medical issues are involved and vehicles are damaged. The instinct is to point a finger at the other driver. So how do you decide exactly who caused the accident in the first place and thus who is responsible?

In the event of a car collision insurance companies use what is called a “fault chart.��? After any accident insurers for the parties involved will input the facts of the incident into the fault chart; depending on the way in which the chart interprets it is essentially how a determination of fault will be decided.

No-Fault Versus Third Party Liability

From province to province however there may be variations in terms of assigning fault. In Ontario for instance there is a no-fault insurance system. Despite how this may sound no-fault does not necessarily mean that fault is not determined. All it means is that despite whose fault the accident was the insurer will pay for their own client’s costs. So even if the other driver is found to be at fault it is your insurance company who will pay for damages to your car and the fees incurred.

On the other hand drivers in Alberta must have third party liability coverage. While their insurer will pay out some monies as a result of an accident they must generally go after the driver who was at fault in order to recoup all damages. Because it can vary it is extremely important that an experienced insurance adjuster walk you through the process of exactly what’s involved in an automobile accident. From determining fault to how to go about getting paid for the damages that occurred as a result the adjuster can provide a more comprehensive picture for you.

How Does an At-Fault Accident Affect Insurance Rates?

An at-fault accident means precisely that you as the driver were at fault meaning you caused the collision–whether you failed to stop rear-ended someone or perhaps turned illegally. So what does happen to your insurance rates if the insurers have determined you to be the one whose actions caused the incident?

Well this may depend on whether or not you have an Accident Waiver or Driving Record Protection endorsement (known as anSEF39 in insurance lingo). If you have this and are involved in an at-fault accident in which you are the liable driver this coverage could prevent you from seeing an increase in your rates as well as allowing you to maintain a clean driving record. The endorsement does have some restrictions associated with it. For instance the accident cannot have been due to a violation that results in a ticket. And once you do use the waiver you usually have to wait an extended period of time before utilizing it again. You can find out more aboutthis endorsement and others here.

In the event that you do not have an accident waiver or driving record protection endorsement generally your insurance rates will increase. Also the accident will most likely impact your overall driving record. You can find out more about how your record and insurance rateswill be affected in this article. Talking with your insurance broker about the options that you may have following such as accident is the best first step that you can take!

Get A Quote From A-WIN

Get the best insurance deals and stay on budget.

Get A Quote

Life Events - It's Time to Reassess Your Insurance

Whether it’s heading off to university or deciding to start your own business,...


Rogers Insurance and CapriCMW merge to become Acera Insurance.

A-WIN Insurance is part of the Rogers Insurance Group.

Click to learn more about how this merger will impact A-WIN Insurance. Our branches will remain independently owned and operated.