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Insurance Articles
What is No-Fault Insurance?
In June 1990 the Ontario government under the NDP regime legislated a partial no-fault insurance system designed to replace the tort system that was in place at the time. It was thought that no-fault insurance would speed up the processing of claims, to minimize the number of people proceeding with personal injury lawsuits against those who…
Who’s At-Fault in a Parking Lot Accident in Ontario?
Have you ever been involved in a parking lot car accident and wondered who the responsible driver was? This article is intended to address popular myths regarding parking lot accidents, as it relates to the designation of fault, and also to provide a guideline for some of the rules and laws that surround car accidents…
What is an Insurance Deductible?
Meaning and Explanation of an Insurance Deductible In general insurance, a deductible is a provision in the insurance contract whereby the policyholder agrees to pay a certain amount for each covered loss in return for a reduced premium. An insurance deductible is an amount of a covered loss that a policyholder must pay before the…