We have 'no fault' insurance in Ontario. What it means, in most cases, is your own insurance company pays for your damages if you are injured or you property is damged in a collision. Fault is determined for the accident however. If the other party is found to be at fault in the collision, your insurance company will recover their costs from the other party's insurance company. Your insurance premium won't rise. The other party's premiums will. I've been through this several times. Some half-wit runs into my car. It's their fault. My insurance company pays me. My premiums don't rise. I did have to pay my deductible though. A strongly worded letter or two (the second threatening legal action) to the at fault party has been enough to recover my deductible. This even worked when I was hit by a 15 yr. old cyclist. He ran a stop sign (I was on a through street) and struck my vehicle broadside. He damaged the front fender, trashed the hood and wiped out the pop up headlights. All told around $2500 damage. Fortunately, he wasn't injured. My insurance company paid me. My rates didn't increase. I threatened the parents of the cyclist with legal action. They paid my deductible.