If you’ve been in two at fault accidents within three years in Ontario, you’re likely wondering where that leaves you—not just with your insurance company, but also in terms of your rights if you’ve been injured.
Can you still get the support you need? Will your insurance even cover you?
Here’s what you need to know.
Ontario uses a system called the Fault Determination Rules to decide who is responsible for an accident. These rules are applied to every insurance claim, regardless of what was said at the scene or whether police attended. Even if you’re found only partially responsible, it can still impact your driving record and premiums.
A single at fault accident may result in a modest increase in your insurance rates. But a second one within a short period—such as three years—can have more serious consequences. Insurers may label you as a high-risk driver, which could mean steeper premiums, restricted policy options, or even non-renewal of your coverage.
This is especially frustrating if your second accident involves more severe injuries. You’re in pain, missing work, and trying to recover—yet now you’re facing resistance from your insurer.
Yes. Ontario’s no-fault insurance system means you can apply for accident benefits through your own insurance provider, even if you caused the accident. These benefits may include:
However, your insurer may scrutinize your claim more closely, especially if your record shows a pattern of at fault incidents. This doesn’t mean your claim will be denied—but it could be delayed, reduced, or more difficult to navigate.
If your insurance company is denying parts of your claim, delaying your benefits, or questioning your injuries, it’s a good idea to talk to a lawyer. Legal support can help ensure your injuries are taken seriously, especially if you’re dealing with long-term recovery or complex paperwork.
You may also have options to pursue additional compensation if your accident involved another driver who was partially at fault, or if your injuries are catastrophic. Every situation is different, and having someone who understands the process can make a real difference.
Being involved in two at fault accidents doesn’t mean you give up your right to support. At Gosai Law, we’re here to help you understand your rights and fight for the support you need—no matter how complicated your record might be.
Call us at (905) 595-2225 or contact us online to set up a consultation. Let’s talk about your next step and get you the support that you deserve.
