Likely the most misleading terminology that could be used, someone involved in an automobile accident in Ontario is always deemed fully, partially, or not at fault. The term “no-fault” refers to the accident benefit section of the auto insurance policy.

This section of the policy provides coverage for loss of income, medical rehabilitation, attendant care, caregiver, housekeeping, funeral, and death benefits as they relate to injuries sustained by the occupants of a vehicle involved in auto accident.

This section of the policy will respond regardless of fault, hence the term no-fault.