Estimated increase
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at your next renewal
Which coverage paysWho's at fault$5,000 ruleHow long it lastsForgivenessNot at fault2026 changesFAQMore tools
Which coverage pays? The five that matter
Ontario auto policies are built from separate coverages, and which one responds decides your deductible and whether it counts against you. The calculator tells you which applies to your situation — here's the whole map.
| Coverage | What it responds to |
|---|---|
| Direct Compensation – Property Damage (DCPD) | Your vehicle damage in a not-at-fault collision with an identified, Ontario-insured vehicle. Usually no deductible. Not chargeable. |
| Collision or Upset | At-fault collisions with another vehicle or an object, and single-vehicle accidents. Your collision deductible applies. |
| Comprehensive | Theft, vandalism, fire, hail, flood, falling objects, animal strikes and glass — the "other than collision" causes. Not an at-fault accident. |
| All Perils | Collision and comprehensive combined in a single coverage with one deductible — plus the one thing neither covers alone: theft by someone who lives in your household or works for you. |
| Specified Perils | A cheaper, narrower alternative to comprehensive: only the causes named in the policy (fire, theft, lightning, hail and similar). If your cause isn't on the list, it isn't covered. |
| Uninsured Automobile | Damage and injuries caused by an uninsured or unidentified driver. Included on every Ontario policy. |
| Accident Benefits | Injury benefits from your own insurer regardless of fault. Medical, rehab and attendant care are automatic; income replacement and others are optional since July 2026. |
Worth checking on your declarations page: whether you carry All Perils or separate collision and comprehensive, and whether you have Specified Perils rather than full comprehensive. People are often surprised on both counts — and the difference only shows up on the day you claim.
Who is at fault in an Ontario car accident? (It's not the police)
For insurance, fault is assigned by your claims adjuster using Ontario's Fault Determination Rules — Regulation 668 under the Insurance Act. It's a fixed list of more than 40 crash scenarios with a fault percentage attached to each one: 0%, 25%, 50%, 75%, or 100%. Your adjuster matches your accident to the closest scenario.
Three things about these rules surprise almost everyone:
- Weather and road conditions don't count. The regulation says fault is decided without reference to conditions like weather or road state. Sliding on ice into the car ahead is still 100% your fault.
- Police charges are separate. You can be 100% at fault with no ticket, or get a ticket and be 0% at fault. The claim and the conviction are rated separately (see below).
- Single-vehicle accidents count against you. Hitting a pole, a ditch, or a guardrail with no other car involved is treated as 100% at fault.
| Scenario | Typical fault |
|---|---|
| Rear-ended a vehicle ahead in your lane | 100% you |
| Rear-ended while stopped or driving straight | 0% you |
| Left turn across oncoming traffic | Usually 100% turning driver |
| Both vehicles changing into the same lane | 50 / 50 |
| Hit while legally parked | 0% you |
| Single vehicle (pole, ditch, guardrail) | 100% you |
| Hit-and-run, reported to police | 0% you |
| Hit an animal directly | Comprehensive claim — no fault |
Disagree with the fault your adjuster assigned? There's a specific escalation path that works — see how to dispute a fault determination. And if your car was struck while parked, this covers exactly who pays.
Parking lots are not automatically 50/50. That's a myth — the regulation has its own parking lot scenarios (a car backing out of a spot is normally fully at fault against a car driving down the lane, for example).
Which fault percentage actually raises your rate?
FSRA's consumer guidance says a finding of 50% or more can raise your premium at renewal. In practice, many insurers treat any fault above 0% — including 25% — as a chargeable claim in their own filed rating rules. So: at 0% you're protected; at 50%+ expect an increase; at 25% it depends on your insurer, and it's worth asking directly.
Disagree with your fault rating? You can push back
Ask your adjuster which Fault Determination Rule number they applied — they have to tell you. If the scenario doesn't match what happened, send evidence: dashcam footage, photos, independent witnesses. If you're still stuck, escalate to the insurer's complaint officer, and after that to the General Insurance OmbudService (GIO), which is free.
Ontario's minor accident rule: crashes under $5,000 can't raise your rate
Ontario insurers are not allowed to use a minor at-fault accident to increase your premium — but only if all of these are true. (The rule dates from 2016; the damage threshold was raised from $2,000 to $5,000 in 2025, so older articles still quoting $2,000 are out of date.)
- No injuries to anyone.
- Damage under $5,000 per vehicle (including property), and
- You paid for the damage yourself — no insurer paid anything to anyone.
This protection applies to one minor accident every three years. It's the reason paying out of pocket for a true fender-bender can be smart: the moment your insurer pays even a dollar — including to the other driver — the accident becomes a normal chargeable claim.
Careful: you're still required to report accidents to your insurer promptly — Ontario policies demand it, and the other driver can file against you weeks later. Reporting an accident is not the same as making a claim. Report it, tell them you intend to pay the damage yourself, and get repair estimates independently.
How long does an at-fault accident stay on your record in Ontario?
At-fault accidents: 6 years from the accident date — not from when the claim closed or paid. That's the standard rating window in Ontario, though a few insurers look back further for their best claims-free discounts. The financial sting is heaviest in the first 2–3 years and tapers if you stay clean.
Convictions: 3 years from the conviction date — the day you paid the fine or were found guilty, not the day you were charged. If you fight a ticket for a year, the clock starts later. Demerit points themselves don't set your premium; the conviction does.
Every insurer sees both. When you apply anywhere, they pull your Autoplus report (all claims, industry-wide) and your driver's abstract (convictions). There is no insurer that "won't find out."
Accident forgiveness in Ontario (OPCF 39): read the fine print
Forgiveness (commonly the OPCF 39 endorsement, or an insurer's own version) waives the rate increase on your first at-fault accident. Three things people find out too late:
1. It protects your rate, not your record
The claim still exists and still shows on your Autoplus report. Forgiveness just stops your current insurer from charging you for it.
2. It doesn't travel with you
Shop around after a forgiven accident and the new insurer sees an at-fault claim — your old company's forgiveness means nothing to them. After a forgiven accident, staying put is usually cheaper than switching for the next few years.
3. It's one-time
A second at-fault claim inside the 6-year window is rated in full — and at that point some standard insurers move you toward the high-risk market instead of renewing.
Does a not-at-fault accident raise your insurance in Ontario?
If you're 0% at fault, your insurer can't raise your premium because of the accident. Your vehicle repair is normally handled under Direct Compensation – Property Damage (DCPD): your own insurer pays for your repairs even though the other driver caused the crash, usually with no deductible.
One big change: since January 1, 2024, DCPD is optional in Ontario. If you signed the opt-out form (OPCF 49) to save roughly 10% on your premium, you gave up the right to be paid for your own vehicle damage in a not-at-fault crash. Check your policy — if you removed DCPD and don't carry collision coverage, a not-at-fault accident could leave you paying for your own repairs entirely.
If your renewal still jumps after a 0% fault claim, make your broker explain exactly what changed. Losing a claims-free discount or a general market rate increase is different from an accident surcharge — and shopping around fixes the first two.
Ontario auto insurance changes July 2026: accident benefits are now optional
As of July 1, 2026, Ontario made most accident benefits optional — the biggest change to the standard auto policy in decades, and it applies to everyone immediately, regardless of your renewal date.
Still automatic: medical, rehabilitation, and attendant care benefits.
Now optional (you must choose and pay to add them): income replacement if you can't work after a crash, non-earner benefits for students and the unemployed, caregiver benefits, and several others.
Two catches worth knowing: the optional benefits you buy generally only cover you, your spouse, your dependants, and listed drivers — not, say, a cyclist you injure, who may now have to sue instead. And if you do nothing, your policy renews with whatever selections carry over — so review it rather than assuming you're covered the way you used to be.
If you're off work after an accident and don't have income replacement through your job's benefits, the optional income replacement benefit is the one most worth a conversation with your broker.
Ontario accident & insurance FAQ
Quick answers below — or browse the full FAQ: 29 questions covering the scene, police, injuries, rentals, and more.
My premium went up even though I wasn't at fault. Is that legal?
Insurers can't surcharge for a not-at-fault claim, but rates rise across the board as companies take FSRA-approved increases, and you can lose a claims-free or loyalty discount. Ask your broker to break down the change line by line — "market increase" and "accident surcharge" are different things, and shopping around fixes the first one.
Will the increase show up right away?
No. Your premium is locked for the policy term. The surcharge lands at your next renewal — which is why an accident 11 months into your term hurts sooner than one in month 2.
Can I hide the accident and switch companies?
No. Every insurer pulls your Autoplus claims report and your driver's abstract when quoting. A claim you didn't disclose gets found, and misrepresentation can void a policy or get an application declined — both far more expensive than the claim itself.
Does a claim where nothing was paid still count?
Generally no — if no insurer paid anything to anyone, the accident typically isn't used to raise your rate. Once any payout happens, including to the other driver, it's rated as an at-fault claim at renewal. Confirm how your file was coded before renewal.
I was charged but the ticket was dropped. Does it still count?
A conviction only exists if you're found guilty or pay the fine. A withdrawn or dismissed charge never reaches your driving record. The at-fault claim is separate, though — it counts even with no ticket at all.
It was icy / the sun was in my eyes / the other driver came out of nowhere. Doesn't that matter?
Not for insurance fault. The Fault Determination Rules explicitly ignore weather, road conditions, and visibility — they only look at the crash configuration. It feels unfair, but it's also why fault is decided fast and consistently. What CAN change the outcome is evidence the scenario itself was different: dashcam footage or independent witnesses.
When do I end up in "high-risk" insurance?
Usually after two or more at-fault claims in 6 years, a major conviction like careless driving, or a cancellation for non-payment. If any standard insurer will still take you — even at a surcharge — that's almost always cheaper than the high-risk market (Facility Association or specialty carriers), where premiums can double or triple.
Should I just pay for the damage myself?
For a true fender-bender it can be smart — Ontario's minor-accident rule means a first small at-fault accident (under $5,000 per vehicle, no injuries, nothing paid by any insurer) can't raise your rate, once every three years. But you must still report the accident to your insurer, and if another person or vehicle is involved, never skip reporting: they can claim against you later, and an unreported accident puts your coverage at risk.
More free Ontario insurance tools
Dispute a fault decisionThe rule number, the evidence that works, and the free escalation ladder.Someone else was drivingInsurance follows the vehicle — what that means for your record.Start here: full step-by-stepFrom the scene to settlement — every step in order with the right tool at each stage.Total loss toolkitComparables, fair value math, and a VIN checker for the insurer's valuation report.Ticket & demerit lookupPoints, minor/major/serious class, and the 3-year premium impact of any Ontario ticket.
Claim or pay out of pocket?Run the 3-year math on claiming vs paying the repair yourself.
Renewal checkerTell normal market drift apart from a personal surcharge in ten seconds.
All guidesEvery plain-English Ontario insurance explainer on this site, in one place.
The rules behind this calculator
This tool matches what you describe to a scenario in O. Reg. 668, the regulation every Ontario insurer uses. You can read every rule yourself — each one is set out in plain English with the fault split, a diagram, and its own link so you can cite it when you speak to your adjuster.