Regulation 668 Under the Insurance Act

In Canada, the Insurance Act contains rules that determine fault for the purposes of making claims.

In the Canadian province of Ontario, the Insurance Act of 1990 contains the laws governing the insurance industry. Regulation 668 of the act is used to determine where fault lies when someone makes an auto insurance claim.

Automobiles Travelling In the Same Direction

If two cars are traveling in the same direction, in the same lane of the highway, the car traveling behind is 100 percent responsible if the two cars collide. The car in front has no responsibility, as the car traveling behind has a duty to maintain a distance such that it can stop at all times, without hitting the car in front.

Autos Travelling in the Same Direction In Adjacent Lanes

If two cars are traveling in the same direction, in adjacent lanes on the same road, each driver is considered to be 50 percent responsible for any collision that occurs if neither vehicle is in the act of changing lanes and both vehicles are on the center line.

Intersections Without Lights

If an intersection does not have lights or road signs indicating which vehicle should have right of way, the second car to enter the intersection is 100 percent responsible for any collision that occurs. The vehicle entering the intersection first has the right of way.

References

• Ontario Government E-Laws: Insurance Act Regulation 668

Resources

• Ontario Insurance Act