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How does TD Auto Insurance determine fault?

We will review statements or attempt to contact everyone involved in the accident which may include drivers, passengers and witnesses.  We may also review police reports and applicable provincial legislation, as well as gather additional information that may help with the investigation such as dash cam video, pictures, diagrams, etc.

We are governed to follow fault determination rules which differ depending on which state/province the accident occurs.       

Ontario https://www.ontario.ca/laws/regulation/900668
Alberta http://www.qp.alberta.ca/documents/Regs/2002_304.pdf
Nova Scotia https://novascotia.ca/just/regulations/regs/insfault.htm



Once we have considered all the facts, we are then able to determine fault.  We are always willing to review our decision if new information about the accident becomes available.

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