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Insurance Myths: Traffic Violations and Premiums | BrokerLink

Published on Oct 17, 2014 | Last updated Mar 1, 2021 1 minute read

If the police did not give me a traffic violation after an accident, my insurance premiums will not go up?

FALSE

The police are not responsible for determining who is responsible for an accident. Highway and Road Traffic Safety Acts are not used by insurance companies to determine “at fault” losses. Some losses and circumstances are pre-determined based upon what, how or where the loss occurred.

Parking lot collisions are a common example of this as they are generally deemed as a “50/50”, meaning each party is partially responsible or at fault for the collision; rear-end collisions are generally deemed as a “100%” at fault for the party who crashed into the vehicle in front.

All insurance companies use Fault Determining Rules to render a verdict on which party is responsible for a particular incident.