No-fault insurance generally refers to the individual working with their own insurance company, despite who may have been at fault for the accident. In Ontario, the Ontario Auto Insurance sells no-fault insurance.
James M. Flaherty has written: 'Financial Services Commission of Ontario (motor vehicle insurance)' -- subject(s): Financial Services Commission of Ontario, Insurance, No-fault automobile, Law and legislation
In ontario, The person that hits you's insurance has Accident benifits, and they will pay for your medical bills if they were at fault. But if you were drviing without insurance.. consider yourself screwed. Pretty much the same in most states in the U.S. If they were at fault their insurance may pay for your damages but you can still be fined for driving without coverage, license suspended or revoked etc.
There are a number of companies in Ontario that offer Equine insurance. Some companies that are in Ontario are Intercity Insurance and Henry Equestrian Insurance Brokers.
Ontario
The at-fault party's insurance should cover your vehicle. EVEN THOUGH OUR INSURANCE HAD RUN OUT BY AMONTH?
Yes, If the accident was your fault, then it is your fault. Whether or not they have insurance has nothing to do with who's at fault, or who actually caused the accident.
You will be cited for driving without insurance and the other driver being at fault, him and his insurance are still liable for damages.
One can find information on no fault insurance when one contacts insurance brokers like Mitchell and Whale Insurance Brokers. They will explain to one the benefits and the catch of no fault insurance.
no its not covered by Ontario health insurance plan
In Ontario parking lots are private property and do not fall under the highway traffic act. Given this Ontario also has whats called no-fault insurance, meaning if 2 people are in an accident in a parking lot, person 1's insurance covers person 1 and person 2's insurance covers person 2. If there are evidence who can mention who was in fault while accident happens, then only you can decide on this. But if your car hit another parked car or vice-verse then you should be in fault. When I face same problem, my insurance company Chola MS favored me as my car was parked in parking lot and someone rushed into my car.
The problem with no fault insurance is that fault is usually assigned thus making no fault insurance an incorrect statement. Your collision coverage is where you would make the claim in this situation.