Originally Posted by ajay677
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.
Thanks, ajay677, for the info!
I did call my insurance company this morning because -- and I forgot to mention this in my earlier message -- an ambulance was dispatched to check my condition and, while they didn't transport me anywhere, I certainly don't want to be stuck with an ambulance bill. My insurance company seemed to be very familiar with the process.
Tim