{"id":9556,"date":"2021-01-27T10:37:42","date_gmt":"2021-01-27T10:37:42","guid":{"rendered":"https:\/\/diamondlaw.ca\/?p=9556"},"modified":"2023-07-14T12:00:46","modified_gmt":"2023-07-14T12:00:46","slug":"how-auto-accidents-affect-your-car-insurance-rates-in-ontario","status":"publish","type":"post","link":"https:\/\/diamondlaw.ca\/how-auto-accidents-affect-your-car-insurance-rates-in-ontario\/","title":{"rendered":"How Auto Accidents Affect Your Car Insurance Rates in Ontario"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_column_text]<iframe height=\"400\" style=\"width: 100%;\" src=\"https:\/\/www.youtube.com\/embed\/qayGKTQ5HU0\" title=\"YouTube video player\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/p>\n<p dir=\"ltr\"><span style=\"font-weight: 400;\">If you\u2019re a driver and find yourself involved in a <a href=\"https:\/\/diamondlaw.ca\/practice-areas\/car-accidents\/\">car accident,<\/a> your initial thoughts likely turn to your insurance premiums. Car insurance is required by law and can be expensive. The cost could rise after an accident if your <a href=\"https:\/\/diamondlaw.ca\/when-does-the-car-insurance-company-deny-a-claim\/\">insurance company<\/a> decides you\u2019re at fault.\u00a0<\/span><\/p>\n<p dir=\"ltr\"><span style=\"font-weight: 400;\">However, it\u2019s not as simple as someone being 100% to blame. If an <a href=\"https:\/\/diamondlaw.ca\/7-things-insurance-companies-do-not-want-you-to-know\/\">insurance company<\/a> decides you\u2019re at least 50% at fault for an accident, then that\u2019s when your car insurance rates will rise the next time you renew your policy.\u00a0<\/span><\/p>\n<p dir=\"ltr\"><span style=\"font-weight: 400;\">If a <a href=\"https:\/\/diamondlaw.ca\/what-to-do-after-car-accident\/\">car accident<\/a> also resulted in you suffering an injury, then the last thing you need to worry about is trying to prove you weren\u2019t to blame. That\u2019s why hiring an <a href=\"https:\/\/diamondlaw.ca\/personal-injury-settlement-in-ontario\/\">experienced personal injury lawyer<\/a> can help you not just claim the compensation you deserve but also prove you weren\u2019t at fault.<\/span><\/p>\n<h2 dir=\"ltr\"><b>What Happens After An Auto Accident?<\/b><\/h2>\n<p dir=\"ltr\"><span style=\"font-weight: 400;\">Even the aftermath of a minor car accident often feels stressful and hectic, but it\u2019s essential to remain calm. Your first step should be to contact medical services if someone else hasn\u2019t already. Next, take photos of the accident, including any other vehicles involved. When you\u2019re <a href=\"https:\/\/diamondlaw.ca\/how-do-travel-accident-compensation-claims-work\/\">claiming compensation<\/a>, it\u2019s a good idea to have as much evidence as possible.\u00a0<\/span><\/p>\n<p dir=\"ltr\"><span style=\"font-weight: 400;\">Your next step is to file a report with your insurance company. According to Ontario law, this should be done within seven days. Failure to notify your insurers, either on time or at all, may result in your claim not being honored.\u00a0<\/span><\/p>\n<p dir=\"ltr\"><span style=\"font-weight: 400;\">When you\u2019re involved in a car <a href=\"https:\/\/diamondlaw.ca\/practice-areas\/car-accidents\/\">accident in Ontario<\/a>, your insurance company will use the Insurance Act and Fault Determination Rules to decide who\u2019s at fault. Collecting as much information as possible, from the date, time, and location of the accident, to the names and license numbers of any other motorist, can only help your claim.<\/span><\/p>\n<h2 dir=\"ltr\"><b>How Much Does Your Car Insurance Go up After an Accident?<\/b><\/h2>\n<p dir=\"ltr\"><span style=\"font-weight: 400;\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/diamondlaw.ca\/wp-content\/uploads\/sites\/8\/2021\/01\/How-Much-Does-Your-Car-Insurance-Go-up-After-an-Accident.jpg\" alt=\"If you\u2019re in a car accident and are worried about how it\u2019ll affect your premium, talk to a specialist lawyer at Diamond and Diamond today. We can help.\" width=\"768\" height=\"275\" class=\"aligncenter size-full wp-image-9558\" srcset=\"https:\/\/diamondlaw.ca\/wp-content\/uploads\/sites\/8\/2021\/01\/How-Much-Does-Your-Car-Insurance-Go-up-After-an-Accident.jpg 768w, https:\/\/diamondlaw.ca\/wp-content\/uploads\/sites\/8\/2021\/01\/How-Much-Does-Your-Car-Insurance-Go-up-After-an-Accident-300x107.jpg 300w\" sizes=\"auto, (max-width: 768px) 100vw, 768px\" \/>It all depends on multiple factors. Namely, how many accidents you\u2019ve had in the past, how much the current claim amounts to, and who\u2019s to blame. It\u2019s possible to get no-fault insurance but bear in mind that this means your premium can still be affected if you\u2019re involved in an accident. Every case is different, which is why it pays to speak with a specialist, like one of our experienced lawyers at Diamond and Diamond.<\/span><\/p>\n<h4 dir=\"ltr\"><b>Diamond and Diamond can help prove who\u2019s at fault for a car accident and help with filing a claim. Contact us today for a free consultation.<\/b><\/h4>\n<h2 dir=\"ltr\"><b>What Should I Do If I\u2019m Injured in a Car Accident?<\/b><\/h2>\n<p dir=\"ltr\"><span style=\"font-weight: 400;\">There are many ways you could sustain an injury as a result of an automobile accident. Some symptoms may not even become apparent until quite a while after a crash, which is why it\u2019s essential to seek medical attention as soon as possible.\u00a0<\/span><\/p>\n<p dir=\"ltr\"><span style=\"font-weight: 400;\">A personal injury lawyer can help you get reasonable compensation to cover any medical expenses and loss of earnings or argue your case if an insurance company tries to settle for less than you deserve.<\/span><\/p>\n<p>[\/vc_column_text][vc_column_text el_class=&#8221;pro-tip-sec&#8221;]<\/p>\n<h3 dir=\"ltr\"><b>PRO TIP:<\/b><\/h3>\n<p dir=\"ltr\"><i><span style=\"font-weight: 400;\">\u201cAlways try to keep calm after an accident and collect as much evidence as possible.\u201d<\/span><\/i><\/p>\n<p>[\/vc_column_text][vc_column_text]<\/p>\n<h2 dir=\"ltr\"><b>How Auto Accidents Affect Your Car Insurance Rates in Ontario FAQs <\/b><\/h2>\n<p>[\/vc_column_text][vc_toggle title=&#8221;What happens if I\u2019m in an accident but don\u2019t have car insurance?&#8221; style=&#8221;round&#8221; color=&#8221;blue&#8221; el_id=&#8221;1610080524707-d830ee54-dfbd&#8221;]<\/p>\n<p dir=\"ltr\"><span style=\"font-weight: 400;\">Depending on the circumstances, you may still be able to make a claim. For example, if you were driving a company car, its insurance will cover the accident. If you were a passenger in an uninsured vehicle, the insurance company of an insured vehicle involved in the accident would handle your claim.\u00a0<\/span><\/p>\n<p dir=\"ltr\"><span style=\"font-weight: 400;\">However, every case is different, which is why it\u2019s always worth using the services of a registered professional, such as a personal injury lawyer from Diamond and Diamond.<\/span><\/p>\n<p>[\/vc_toggle][vc_toggle title=&#8221;How can I get the lowest car insurance rates in Ontario?&#8221; style=&#8221;round&#8221; color=&#8221;blue&#8221; el_id=&#8221;1610080546599-e1ba23d2-5ca0&#8243;]<\/p>\n<p dir=\"ltr\"><span style=\"font-weight: 400;\">Since car insurance rates are affected by multiple factors, the only guaranteed way to pay as little as possible on your policy is to avoid accidents. However, no one can avoid bad luck forever. If you\u2019re in an accident and are worried you\u2019ll be found at fault, and have to pay more on your premium, talk with an experienced car accident lawyer to see how they can help you.<\/span><\/p>\n<p>[\/vc_toggle][vc_toggle title=&#8221;Do I need a lawyer after a car accident?&#8221; style=&#8221;round&#8221; color=&#8221;blue&#8221; el_id=&#8221;1610080574612-96286418-5cfa&#8221;]<\/p>\n<p dir=\"ltr\"><span style=\"font-weight: 400;\">There are avenues you can explore to settle insurance claims after a car accident on your own, but you may not get the settlement you deserve. A reputable and seasoned car accident lawyer can help with paperwork, gathering evidence, and filing a claim.<\/span><\/p>\n<p>[\/vc_toggle][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row][vc_column][vc_column_text] If you\u2019re a driver and find yourself involved in a car accident, your initial thoughts likely turn to your insurance premiums. Car insurance is required by law and can be expensive. The cost could rise after an accident if your insurance company decides you\u2019re at fault.\u00a0 However, it\u2019s not as simple as someone being&hellip;<\/p>\n","protected":false},"author":1,"featured_media":9557,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"ngg_post_thumbnail":0,"footnotes":""},"categories":[812],"tags":[],"class_list":["post-9556","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-legal-needs","entry"],"_links":{"self":[{"href":"https:\/\/diamondlaw.ca\/wp-json\/wp\/v2\/posts\/9556","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/diamondlaw.ca\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/diamondlaw.ca\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/diamondlaw.ca\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/diamondlaw.ca\/wp-json\/wp\/v2\/comments?post=9556"}],"version-history":[{"count":0,"href":"https:\/\/diamondlaw.ca\/wp-json\/wp\/v2\/posts\/9556\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/diamondlaw.ca\/wp-json\/wp\/v2\/media\/9557"}],"wp:attachment":[{"href":"https:\/\/diamondlaw.ca\/wp-json\/wp\/v2\/media?parent=9556"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/diamondlaw.ca\/wp-json\/wp\/v2\/categories?post=9556"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/diamondlaw.ca\/wp-json\/wp\/v2\/tags?post=9556"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}