Frequently Asked Questions

(Taken from the FSCO Web Site – www.fsco.gov.on.ca)

According to the regulation under the Insurance Act, the Fault Determination Rules must be applied without regard to such things as road or weather conditions; visibility or the point of impact on the vehicles. As well, determinations on fault are made independently of decisions made by police officers to charge a driver. A charge under the Highway Traffic Act does not necessarily mean that the person charged was "at fault" for insurance purposes. In the same way, a lack of charges does not mean that no one was at fault.

To view the Fault Determination Rules, click here

Where you live and how you use your car are two important rating factors. The rates in Toronto are higher because there is more traffic, (and traffic accidents), and higher crime rates.

Simply put, a deductible is the amount of a loss that you are required to pay. A deductible applies to certain losses, for example, its commonplace for a deductible to be applied on a collision loss. Sometimes the deductible limit is regulated by the insurance act. Other times, you can choose to have a deductible or none at all, (such as with “Not At Fault” (DCPD) losses). Deductible options may be limited by the types of losses you already have on your record and by the make and model of car you drive.

Your Easyway Insurance representative will be happy to review your deductible options with you.

A special-risk driver is some one who is having difficulty finding affordable insurance because of prior:

• Accidents
• Tickets
• License suspensions

If that’s you, Easyway Insurance Brokers can help.

Drivers are not considered “special-risk” because of:

• Inexperience (being a newly licensed driver)
• Age or Gender
• Prior cancellations for non-payment
• The type of vehicle you drive
• Gaps in insurance history (unless caused by a license suspension)

It’s no secret that car insurance premiums have been on the rise. Here are some the reasons why:

1. Vehicle repair costs are increasing at an average of 10% annually
2. Automobile insurance companies pay $1.3 billion/ year in Ontario for the treatment of people injured in car accidents. This is an increase of 400% in the last ten years.
3. Medical and rehabilitative claims costs are increasing at an average of 14% annually.
4. About $48 of every car insurance premium is a direct result of auto theft.

(Source: The Insurance Broker’s Association of Ontario).

Insurance companies generally rate for the “principal operator,” (the person who drives the car the most). Some companies will rate for the driver who has the worst driving record. Who the vehicle is actually registered to is usually not considered.