At-fault or Not-at-fault claim: the impact on your insurance premium

Whether your car accident will increase your insurance premium generally depends on whether you were at-fault for the accident. Your insurance company will decide to what degree you were at-fault and will consider your recent driving history. In some circumstances, fault in an auto accident can be shared with other drivers.


How does an at-fault accident affect you?

You can be anywhere between 100% and 0% at fault. If you’re more than 0% at-fault you will have an at-fault accident on your insurance record. To confirm how your insurance premium will be affected, contact your broker or your insurer.

One way to safeguard your premium against the impact of an at-fault accident is with the Driving Record Protector. With this coverage, your car insurance premium won’t go up after your first at-fault accident. Please speak to your insurance broker to see if you are eligible for this coverage.

If you’re involved in a second at-fault accident within a five-year period, your insurance premium may increase significantly. If, on top of that, you have experienced any driving infractions (such as conviction for drunk driving or speeding), you may be categorized as a high-risk driver.


Does a not-at-fault claim have an impact on my insurance premium?

No. If you’re found to be 100% not-at-fault for the accident, your premium will not go up due to the accident.




The content in this article is for information purposes only and is not intended to be relied upon as professional or expert advice. Aviva and the Aviva logo are trademarks of Aviva plc. and are used under licence by Aviva Canada Inc. and its subsidiary companies.