There are quite a lot of things which are going to be considered when it comes to determining the compensation from a car accident. The insurance company will do everything within its reach to reduce said compensation and it’s your duty to retaliate in order to get what’s rightfully yours.
The province of Ontario abides by the Insurance Act and there is one very specific rule which is commonly referred to as the “no fault” insurance rule. This could be a misleading term for quite a lot of people as it doesn’t mean that drivers who are involved in an accident are never at fault. The truth is that there is always going to be someone who’s at fault, regardless of whether it’s fully or partially.
In reality, this particular rule means that if you are involved in a car accident, you would be sending your insurance claim to your own insurance company, regardless of whether or not you are found at fault. This particular instrument finds those who have been involved in an accident and are legitimate policy holders to get the necessary assistance quickly and in a particularly timely manner. This will eliminate the necessity and the associated wait for an investigation on behalf of the insurance company to determine what the necessary compensation actually is.
How does the insurance company determine fault?
Insurance companies are still going to determine the amount of fault that you are involved with in the accident. This is going to determine which particular property damage coverage is going to apply to this particular accident. What is more, it is also going to determine whether or not there are going to be serious increases in the premiums.
With this in mind, the most important thing to understand here is that you might be at fault and still claim your full compensation through your own insurance company. After the investigation, however, it would determine what percentage of fault you are involved with and it would reflect on your compensation and on the premiums that you will have to pay from then on. This is because your risk factor has substantially increased due to the fact that you’ve been involved in a car accident and, what is more, you are the one who has caused it. This is what the insurance company is going to leverage in order to make sure that it’s in the right position to increase your premiums and even to reduce your current compensation.
That’s what you have to prevent and that’s why you need a professional personal injury lawyer in Huntsville to help you out. Working with one since day one is the best way to go about it. That is why it is important to find a good and experienced lawyer that has handled such cases in the past.