Ontario Fault Determination Rules
Canadian regulation about car accidents / From Wikipedia, the free encyclopedia
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The Ontario Fault Determination Rules (commonly known as the Fault Rules or FDR) is a regulation under the Ontario Insurance Act enacted by the Parliament of Ontario to judge driver responsibility after car accidents in Ontario. The Fault Rules say which driver was responsible for an accident. Accidents are either 0%, 25%, 50%, 75%, or 100% at fault. If the driver is from Ontario, the portion not at fault percentage is covered under Ontario's mandatory to buy Direct Compensation insurance, and the at fault portion is covered under the optional to buy Collision insurance.
Ontario Accident Fault Rules | |
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Parliament of Ontario | |
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Citation | Visit Regulation |
Territorial extent | Ontario |
Enacted by | Parliament of Ontario |
Effective | December 31, 1990 |
Administered by | Financial Services Commission of Ontario |
Amends | |
October 17, 2018 | |
Related legislation | |
Ontario Insurance Act | |
Summary | |
Regulate car accident fault in the province of Ontario | |
Keywords | |
Car accident, accident fault | |
Status: In force |
A fault rating between 50–100% might affect the driver's and insurance policyholder's future risk factor and therefore future insurance rates.[1] Note auto claim's using Specified Perils/Comprehensive for events like theft, vandalism, or hail damage are not subject to a fault rule (but may affect insurance rates and coverage depending on policyholder's claim history).
The Fault Rules are for most every accident in Ontario. However, under some rare conditions the Fault Rules do not apply and accident responsibility is determined by car accident case law. Car accidents outside of Ontario are governed by the Provincial or State where it happened. Each respective regulation is similar to these Fault Rules, but differences do exist, see the correct jurisdiction's fault rules for their details.