What this site is
A free, independent toolkit for Ontario drivers: check who's at fault under the official Fault Determination Rules, estimate what an accident does to your premium, decide whether to claim, fight for fair value on a total loss, and find your Collision Reporting Centre — all in plain English, all without a sign-up.
Who writes this
- Every page is reviewed by a licensed Ontario claims adjuster who handles motor vehicle claims professionally — not a marketing writer working from other websites.
- Every page cites its source: the Insurance Act, Regulation 668 (Fault Determination Rules), FSRA consumer guidance, and the Highway Traffic Act.
- Pages carry a visible last-updated date. When rules change — like the $5,000 threshold in 2025 or the July 2026 benefits reform — we update rather than leave stale figures up.
- We publish under a business name rather than an individual one, so nothing here is influenced by any single insurer relationship.
Everything here is grounded in Ontario's actual rules — the Insurance Act, Regulation 668, FSRA consumer guidance, and how claims are handled in practice — and written by people with hands-on experience in Ontario auto insurance claims. Where rules changed recently (like the $5,000 police-reporting threshold and the July 2026 accident-benefits reform), the site reflects the current version.
What this site is not
We're not an insurance company, a brokerage, or a law firm, and nothing here is insurance or legal advice. Estimates are educated ranges, not quotes — every insurer files its own rates. If you use our broker connection, you'll be speaking with an independent licensed (RIBO) professional; we may be compensated for that referral, and it never costs you anything.
Spotted an error?
Rules change and we take accuracy seriously. If something here is outdated or wrong, tell us and we'll fix it fast.