There are several Canadian provinces, including Quebec and Ontario, a type of automobile insurance policy without fault. This term is more misunderstood and sometimes confusing. Here are some clarifications from the insurance without fault.
The term no-fault does not mean that you will never be held responsible for accidents, or your insurer does not care who is responsible. It means that in case of accident, no matter how the driver will return because you will need to deal with your own insurance company to receive compensation if you are injured or your car was substantially damaged. If you are responsible for the accident, in whole or in part, this will still be noted on your driving record. However, unlike other types of insurance where the fact of being responsible for the accident will not give you compensation, you will receive compensation, but from your own insurer rather than from the insurer the other driver involved. This compensation will cover in whole or in part the losses you have incurred, depending on the situation.
The primary purpose of insurance without regard to liability is to reduce the premiums of the insured, eliminating the need to pursue another motorist in court to determine who is responsible for the accident, and who should receive compensation for losses. By stopping all costs related to a lawsuit, the insurance without regard to liability attempts to reduce insurance premiums for beneficiaries while paying them compensation requested quickly and without any conflict or misunderstanding.
Insurance without fault, however, is the subject of some criticism. Lawyers argue that it bullied the citizens' right to take legal action.
Some also argue that the auto insurance without fault not punished severely enough bad drivers, since they, in addition to not being able to pursue other motorists can not be pursued by them even if if they are at fault. However, in some cases, the insured has the right to sue another driver if he suffers a serious injury and if medical expenses exceed a limit of costs covered by insurance. With regard to this limit, it may happen that a victim intentionally malicious swells, sometimes with the help of his doctor, the cost of his medical treatment in order to obtain greater monetary compensation by reaching the limit.
Insurance no fault has perhaps not always as successful as expected in reducing insurance premiums of its followers. Indeed, when a driver is responsible for an accident, his insurance premiums may increase, regardless of the type of insurance he receives. By cons, this formula car insurance is often very effective in terms of reducing the incidence of automobile accidents who end up in court.