A young couple is sitting on the hood of their car, looking at the beautiful scenery. Caption: Having a good driving record deserves to be rewarded. Get the coverage that helps you protect your record should you have an at-fault or partially at-fault accident.

Motorcycle – Ontario

Accident Forgiveness Solution

Accident Forgiveness defined

Could you define Accident Forgiveness for me?
Accident Forgiveness means we agree to waive our right to adjust your insurance rate after an at-fault or partially at-fault accident. Ultimately, you are “forgiven” for your first accident.

Impact on driving record

What factors can have an impact on my driving record?
Here’s what we will consider when we review your file:

  • The number of years you’ve been licensed to drive
  • Any convictions due to driving infractions
  • The number of accidents you’ve had
  • Speeding tickets and moving violations
  • License suspension

At-fault or partially at-fault

What is an at-fault or partially at-fault accident?
It means you are at fault or partially at fault for damages incurred during a vehicle accident. This includes damages to other vehicles and property as well as damages caused to your own vehicle.

You can be anywhere from 1% to 100% at fault in an accident. After an accident, the insurance company claims adjuster determines the degree of fault based on the circumstances surrounding the accident and specific government regulations. There is no one mathematical formula used to calculate the percentages of fault.

Any driver who is more than 0% at fault will have an “at-fault” accident on his or her insurance record.

Minor accident

My driving record is good but I had one minor fender bender just 5 years ago. Could I still be eligible for Accident Forgiveness?
No. You must be accident-free for the preceding 6 years. There are no exceptions.

Two accidents

If I had another at-fault accident after my first “forgiven” accident would this affect my premium?
Yes. Your second accident would have an impact on the cost of your premium.

Proving your accident-free record

How do I prove that I have been accident-free for 6 years?
If you have not been insured with us for the last 6 years, we will consult the Motor Vehicle Report to confirm your driving record.

Changing your vehicle

What happens if I change my vehicle while I have this insurance?
This will not have an impact on your Accident Forgiveness coverage, provided you are licensed for that vehicle.

Friends and relatives

Does this coverage apply if a friend or relative uses my vehicle and gets into an accident?
Yes. The coverage applies. However, if your friend or relative has an accident with your vehicle, this will affect your file and premium in the same way that it would if you were driving.

Commercial vehicle

If I have a commercial vehicle, am I eligible?
No. This insurance applies to private passenger vehicles only.

Two vehicles, two drivers

We own 2 vehicles. I’ve had no accidents in the last 6 years and my husband has had one. Are we eligible, and what happens if we get into an accident?
Vehicle 1: You are the primary driver and your husband is the secondary driver.

Your vehicle is eligible. However, if your husband has an accident with your vehicle, this will affect your file and premium in the same way that it would if you were driving. If you have Accident Forgiveness coverage, you are “forgiven” for the first accident.

Vehicle 2: Your husband is the primary driver, and you are the secondary driver.

Accident Forgiveness coverage is not available for this vehicle.

One vehicle, two drivers

We own one vehicle, I’m the principal driver and I’ve had no accidents in the last 6 years. However, my husband, who’s a listed driver on my vehicle, has had one. Are we eligible and what happens if we get into an accident?
The coverage does not apply, even though you are the principal driver. In order to be eligible for Accident Forgiveness coverage, all drivers listed on the vehicle must be accident-free for the last 6 years.

The information and examples provided in this section are intended as general information only. This does not constitute legal or insurance advice, nor does it pertain to determination of fault. In all cases, you should speak to an insurance professional before acting. Your insurance policy contains limitations and restrictions which vary by province and may affect your coverage and/or determine whether or not benefits will be payable.