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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.
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.
Please note that the answers to the questions are for information purposes only and do not constitute a legal opinion on the various types of coverage discussed. Individual circumstances may affect your coverage. In case of discrepancy between the answers contained herein and your policy, the policy prevails.