If you are involved in an accident, the responding police officer at the scene or the officer at the

Collision Reporting Centre, will determine if you were at all responsible for the accident. This is only done to determine if a ticket for a driving infraction should also be issued. You may feel there was nothing you could have done to avoid the accident or it was due to poor road conditions.Facility Association, an association funded by all automobile insurance companies, to ensure that drivers who are unable to obtain insurance are able to obtain the coverage they need to legally drive their vehicles. If you also have tickets, watch out, the premium may even be higher.

None of this will matter however, as someone is always considered responsible for an accident. If it was a single vehicle accident, your insurance company will most likely deem you 100% responsible. If it involved another vehicle or vehicles, your insurance company will follow the Provincial rules for determining fault. If you are at least 50% responsible, you will be considered at fault for the accident.

There is also a misconception that you are not responsible if you were not charged with an infraction. In most cases this doesn’t matter. However the infraction may also impact your insurance premium.

Even if you don’t report the accident, the other driver may report it to their insurance company. Therefore, even if you don’t have any damage or you decide not to repair your vehicle, you are considered at fault for the accident, and it will impact your insurance rate on your next renewal and will remain on your record from 6 to 10 years.

If you are unfortunate enough to have a second at fault accident during this time, it will usually result in the cancellation of your policy by your insurance company at the next renewal.

At this point, you will be quoted a MUCH higher premium(as much as four times or even more) through the

There is an alternative however that may save you money, known as a "mid-market company". Mid-market companies specialize in drivers who have too many accidents and cannot qualify for regular insurance, and their rate in most cases, is less expensive than the Facility Association.

We understands the need to save our clients money on their automobile insurance while providing exceptional service. If you have accidents and you are finding it difficult to obtain insurance, we have options for you.

Simply click here to obtain a free no-obligation on-line quote in just a few minutes.  If you prefer, give us a call at 1-800-419-3723 or send us an email.