Explained: Accident Forgiveness Ontario

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accident forgiveness ontario

If you have ever been in a car accident, you know that it can be a very traumatic experience. Not only are you dealing with the physical and emotional aftermath of the crash, but you also have to worry about the potential legal consequences. What if there was a way to avoid all of that stress?

Believe it or not, there is – it’s called accident forgiveness. This article will explain what accident forgiveness is, how it works, and its pros and cons. We will also answer some of the most frequently asked questions related to this topic.

What is Accident Forgiveness?

Accident Forgiveness is an optional feature that can be added to your auto insurance policy to protect you from increasing your premium after your first at-fault accident.

If you have this feature, your rates won’t go up after your first at-fault collision, no matter how much damage is done or who is at fault. This can save you a lot of money on your premium and give you peace of mind knowing that one mistake won’t cause your rates to skyrocket.

Contact your insurance agent or company to add Accident Forgiveness to your policy. Some insurers offer this feature automatically, while others may charge an additional premium. Be sure to ask about any restrictions or conditions that may apply.

Just to be sure that accident forgiveness would not meddle with charges for the offense you have committed under the Ontario Highway Act. You would still have to pay the fine. The only thing that accident forgiveness does is make sure your insurance rates do not go up.

Why Do You Need Accident Forgiveness?

If you’ve been in an accident, your insurance rates could go up even if it wasn’t your fault. That’s why Accident Forgiveness is an integral part of your auto insurance policy. With Accident Forgiveness, your rates won’t go up just because you had an accident. So even if it was your first accident, your rates won’t increase.

There are many other benefits to having Accident Forgiveness as part of your auto insurance policy. For example, if you’re in an accident and it’s your fault, you won’t have to pay a deductible. And, if you have Accident Forgiveness, you’ll still be able to take advantage of safe driver and good driver discounts.

How Does Accident Forgiveness Work in Ontario?

There are some other things to keep in mind about accident forgiveness in Ontario. First, it’s important to understand that this only applies to your first at-fault accident. If you have more than one at-fault accident, your rates will go up, even if you have accident forgiveness.

Second, not all insurance companies offer accident forgiveness. So if it’s something that’s important to you, be sure to ask your insurance company if they offer it.

And finally, even if your insurance company does offer accident forgiveness, there may be some conditions that must be met in order for it to apply. For example, you may need to have been a customer of the company for a certain amount of time, or you may need to have a clean driving record.

So if you’re considering whether or not to get accident forgiveness on your auto insurance policy, be sure to ask about all the conditions and requirements. It’s important to understand exactly how it works before you make a decision.

What isn’t Covered By Accident Forgiveness?

There are a few things that accident forgiveness does not cover. These include:

  • Demerit points & Serious traffic convictions.
  • Charges against the Ontario Highway Traffic Act (as mentioned above).
  • Secondary drivers (depending on the insurer).
  • Driving without a valid license or insurance.
  • Any accidents you in after your first one. (until you keep a clean record for long enough).
  • An accident that occurs in commercial vehicles. Accident forgiveness is for personal policies only.

If your accident is not covered by accident forgiveness, you may still be able to get coverage through your insurance company. However, you may have to pay a higher premium.


Accident forgiveness is a great way to protect yourself from rate increases after your first at-fault accidents or partially at-fault accidents. But it’s important to understand how it works and what it covers. Be sure to ask your insurance company about all the conditions and requirements before adding them to your policy.

Do you have any questions about accident forgiveness in Ontario? Leave a comment below, and we’ll do our best to answer them.

Frequently Asked Questions

Does accident forgiveness cover you if you’re at fault?

Yes, of course, that is what accident forgiveness is all about. It is there to cover you financially if you make a mistake and at fault accident occurs, whether it is your fault or not. Many people think that accident forgiveness only applies if the other driver was at fault, but this is not the case.

If you are deemed ‘at fault’, then your insurance premiums will not rise as a result, and you will not lose your no-claims discount.

What are the upsides of having accident forgiveness coverage in Ontario?

There are a few upsides to having accident forgiveness coverage in Ontario. Some of the benefits of having accident forgiveness coverage in Ontario include:

  • You may not have your rates increase after your first at-fault accident. This can help to keep your rates more affordable in the long run.
  • You could save money on your insurance premium over time. Some insurers offer additional benefits such as claims forgiveness or protection from being dropped after one at-fault accident, which can further help keep your rates affordable and coverage secure.
  • You may have peace of mind knowing that you won’t be penalized for one mistake.

Accident forgiveness coverage is not mandatory in Ontario, but it can be valuable to your auto insurance policy. Talk to your broker or insurer to see if it’s right for you.

How much do insurance rates go up after each accident?

There is no definitive answer to this question since insurance companies calculate car insurance rate differently and place different degrees of importance on accidents when determining rates. However, as a general rule, it is safe to say that insurance companies will most likely raise rates after an accident, especially if it is determined that the policyholder was at fault.

Factors such as the accident’s severity, the amount of damage caused, and whether or not there were any injuries involved will all be taken into account when insurance companies determine how much rates will go up. In some cases, policyholders who are found to be at fault in an accident may see their rates increase by hundreds or even thousands of dollars.

What is the reset time for accident forgiveness coverage?

The reset time for accident forgiveness coverage is typically every five years. You need to go accident-free for this period. However, some insurers may offer a shorter or longer reset period. It’s important to check with your insurer to find out their policy.

However, if you switch your insurance provider, the company may not transfer accident forgiveness coverage to the new company. You’ll need to check with both companies to see if this is the case.

Which drivers are qualified for accident forgiveness?

In general, most insurers require that drivers have a clean driving record for a certain period of time (usually at least three years) to qualify for accident forgiveness. Additionally, some insurers may place other restrictions on drivers to qualify for accident forgiveness, such as requiring that they take a defensive driving course.

How much does accident forgiveness cost?

The typical cost of accident forgiveness insurance falls somewhere between $60 and $100 per annum. However, the actual cost will vary depending on the insurer and the specific policy. It’s important to shop around and compare rates from different car insurance companies before choosing a policy.

It is a relatively affordable add-on to your auto insurance policy in most cases. However, the best way to find out how much it would cost to add accident forgiveness coverage to your policy is to speak with your insurance broker or insurance company.

Does accident forgiveness coverage include other violation tickets?

No, accident forgiveness coverage does not include other violation tickets. If you have an accident forgiveness policy, your insurance company may forgive one accident without raising your rates. But they won’t do the same for speeding tickets or other violations. So, if you want to keep your rates low, it’s important to drive safely and avoid tickets.

What are the downsides of accident forgiveness?

There are a few downsides to accident forgiveness that you should be aware of before signing up for this type of coverage. First, accident forgiveness generally only applies to your first at-fault accident. Additionally, accident forgiveness usually comes with a surcharge added to your premium, so it may not be as affordable as you initially thought.

It’s important to remember that even with accident forgiveness coverage, you may still be required to pay a higher premium after an accident. This is because your insurance provider will still consider you a higher-risk driver. If you’re looking to keep your rates low, it’s important to drive safely and do accident-free driving.

How is fault determined in a car accident?

Fault in a car accident is generally determined by who was at fault for causing the accident. However, there are some exceptions to this rule. For example, if both drivers were speeding, both may be considered at fault. Or, if one driver ran a red light and the other driver did not yield the right of way, then the driver who ran the red light would likely be considered at fault.

There are some other factors that can come into play when determining faults, such as weather conditions or road conditions. However, in most cases, fault will be determined based on who caused the accident. If you are ever in an accident, it is important to exchange insurance information with the other driver to determine the fault properly.

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