FYI, fault isn't determined by the police, but rather by the insurance companies by following the FSCO's Fault Determination Rules:
http://www.ibc.ca/en/car_insurance/d...tion-rules.pdf
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FYI, fault isn't determined by the police, but rather by the insurance companies by following the FSCO's Fault Determination Rules:
http://www.ibc.ca/en/car_insurance/d...tion-rules.pdf
I'm an Actuarial Analyst for a Major Canadian Insurance Company. I analyse claims patterns to determine overall rate changes, as well as relative premium differences by various risk characteristics (eg. age, experience, claims, convictions, usage, etc.)
Unless it's private, please post insurance-related questions in the forum rather than sending me a PM.
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