{"id":41024,"date":"2026-08-27T13:00:47","date_gmt":"2026-08-27T17:00:47","guid":{"rendered":"https:\/\/www.rbcinsurance.com\/en-ca\/?p=41024"},"modified":"2026-08-27T13:58:57","modified_gmt":"2026-08-27T17:58:57","slug":"how-does-no-fault-insurance-work","status":"publish","type":"post","link":"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/car-insurance\/how-does-no-fault-insurance-work","title":{"rendered":"How Does No-Fault Insurance Work in Canada? A Guide"},"content":{"rendered":"\n<div class=\"wp-block-rbc-template-selector templateSelector template__article\" data-template=\"article\">\n<div class=\"wp-block-group articleSingle__container tabListStickyWrapper is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__hero is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__hero__inner is-layout-flow wp-block-group-is-layout-flow\">\n<span class=\"rbc-yoast-breadcrum-span\"><span><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/personal\/\">Home<\/a><\/span><\/span>\n\n\n\n<div class=\"wp-block-group articleSingle__featuredImage__group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__title__group is-layout-flow wp-block-group-is-layout-flow\"><h1 class=\"wp-block-post-title\">How Does No-Fault Insurance Work in Canada? A Guide<\/h1>\n\n\n<div class=\"wp-block-group articleSingle__date__group is-layout-flow wp-block-group-is-layout-flow\"><div class=\"wp-block-post-date\"><time datetime=\"2026-08-27T13:00:47-04:00\">August 27, 2026<\/time><\/div>\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__readTime\">13 Min Read<\/span>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__author__group is-layout-flow wp-block-group-is-layout-flow\">\n<img decoding=\"async\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/image-3.png?quality=80&w=512\" alt=\"Mark Gronowski\">\n\n\n\n<div class=\"wp-block-group articleSingle__author__details is-layout-flow wp-block-group-is-layout-flow\">\n<span class=\"wp-block-rbc-html-element articleSingle__author__name\">Mark Gronowski<\/span>\n\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__author__designation\">Insurance Writer<\/span>\n<\/div>\n<\/div>\n<\/div>\n\n\n<figure class=\"articleSingle__featuredImage wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2026\/08\/Understanding-No-Fault-Insurance-in-Canada.webp?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"\" style=\"object-fit:cover;\" srcset=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2026\/08\/Understanding-No-Fault-Insurance-in-Canada.webp 1024w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2026\/08\/Understanding-No-Fault-Insurance-in-Canada.webp?resize=300,200 300w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2026\/08\/Understanding-No-Fault-Insurance-in-Canada.webp?resize=768,512 768w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__container__main is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__page__nav is-layout-flow wp-block-group-is-layout-flow\">\t\t<div class=\"socials-block\">\n\t\t\t\t\t\t<p class=\"socials-block-title\">\n\t\t\tShare this article\t\t<\/p>\n\t\t<div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n\t\t\t\t\t<a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=How Does No-Fault Insurance Work in Canada? A Guide &#038;body=Hi, I thought you might be interested in this article from RBC Insurance: https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/car-insurance\/how-does-no-fault-insurance-work\" aria-label=\"Email\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n\t\t\t\talt=\"envelope icon\">\n\t\t\t\t<span>\n\t\t\t\tEmail\t\t\t\t<\/span>\n\t\t\t<\/a>\n\t\t<div class=\"social-button-wrapper sharing-copy-wrapper\">\n\t\t\t<button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/car-insurance\/how-does-no-fault-insurance-work\" aria-label=\"Copy URL\">\n\t\t\t<img\n\t\t\t\tsrc=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n\t\t\t\talt=\"copy icon\">\n\t\t\t<span id=\"sharing-copyUrl-Label\">\n\t\t\t\tCopy URL\t\t\t<\/span>\n\t\t\t<\/button>\n\t\t\t<input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n\t\t<\/div>\n\t<\/div>\n  \t\t<\/div>\t\n\t\t\n\n\n<div class=\"wp-block-rbc-tabs-list tabsList\" data-switch=\"lgBp\" data-target-heading=\"h2\"><p class=\"tabsList__heading\">On this page<\/p><div class=\"tabsList__wrapper\"><button class=\"selectDropdown__button\" aria-haspopup=\"listbox\" aria-expanded=\"false\"><span class=\"selectDropdown__title\">What is no-fault insurance in Canada?<\/span><span class=\"selectDropdown__chevron\"><\/span><\/button><ul class=\"tabsList__items selectDropdown__list\"><li class=\"selectDropdown__list__item tabsList__item selected\"><a href=\"#h-what-is-no-fault-insurance-in-canada\">What is no-fault insurance in Canada?<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-if-it-s-no-fault-does-fault-still-matter\">If it&#8217;s \u201cno-fault,\u201d does fault still matter?<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-why-does-no-fault-insurance-work-differently-across-canada\">Why does no-fault insurance work differently across Canada?<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-no-fault-insurance-in-ontario\">No-fault insurance in Ontario<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-no-fault-insurance-in-british-columbia-bc\">No-fault insurance in British Columbia (BC)<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-no-fault-insurance-in-alberta\">No-fault insurance in Alberta<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-no-fault-insurance-in-manitoba\">No-fault insurance in Manitoba<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-no-fault-insurance-in-saskatchewan\">No-fault insurance in Saskatchewan<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-no-fault-insurance-in-quebec\">No-fault insurance in Quebec<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-no-fault-insurance-in-atlantic-canada\">No-fault insurance in Atlantic Canada<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-no-fault-insurance-in-northwest-territories-yukon-and-nunavut\">No-fault insurance in Northwest Territories, Yukon, and Nunavut<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-how-no-fault-insurance-affects-your-car-insurance-premiums-in-canada\">How no-fault insurance affects your car insurance premiums in Canada<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-the-bottom-line\">The bottom line<\/a><\/li><\/ul><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__content__main tabListHeadings is-layout-flow wp-block-group-is-layout-flow\">\n<section class=\"wp-block-rbc-section-block  pos-rel blog-article\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<p>What is no-fault insurance? The term trips up a lot of Canadians, making it sound like a system where nobody is held accountable for a collision. But despite the name, no-fault insurance isn\u2019t really about blame. It\u2019s about which insurance company handles your claim after an accident.<\/p>\n\n\n\n<p>Under a no-fault insurance system, if you\u2019re involved in a car accident, you\u2019ll typically file a claim and seek compensation through your own insurer \u2014 regardless of who caused the collision. The other driver does the same with theirs.<\/p>\n\n\n\n<p>That said, the rules vary by province and territory. Depending on where you live, coverage, benefits and claims processes may be different.<\/p>\n\n\n\n<p>So how does no-fault insurance work, and what does it mean for you if you&#8217;re ever involved in an accident? Let\u2019s break it down.<\/p>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__article\" data-bg-hero-desktop=\"\" data-bg-hero-mobile=\"\">\n<h3 class=\"wp-block-heading calloutCard__article__heading\" id=\"h-key-takeaways\">Key takeaways<\/h3>\n\n\n\n<div class=\"wp-block-group calloutCard__article__content is-layout-flow wp-block-group-is-layout-flow\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>No-fault insurance doesn\u2019t mean no one is responsible for a collision. <\/strong>It means each driver involved in the crash typically works with their own insurance company to file a claim and access benefits and compensation, regardless of who is responsible for the accident.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Fault still matters. Insurance companies determine who was responsible for an accident<\/strong>, and being found at fault can affect your deductible, premiums, and driving record.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>In most no-fault systems, you can access accident<\/strong> benefits without having to prove fault or wait for a legal settlement.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Every province and territory in Canada has a form of no-fault insurance<\/strong>, but the rules, benefits, and claims processes vary across the country.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Some provinces, such as Alberta, British Columbia, Manitoba, and Quebec, place limits on lawsuits for injuries<\/strong>, while other provinces and territories allow drivers to sue in certain circumstances.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Understanding your province or territory\u2019s insurance system and your policy coverage can help you<\/strong> be better prepared if you&#8217;re ever involved in an auto accident.<\/p>\n<\/li>\n<\/ul>\n<\/ul>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-no-fault-insurance-in-canada\">What is no-fault insurance in Canada?<\/h2>\n\n\n\n<p><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/auto-car-insurance\/motorcycle-insurance\/\"><\/a>No-fault insurance is a system where your own insurance company handles your claim after an accident \u2014 regardless of who caused the collision.<\/p>\n\n\n\n<p>In other words, you generally work directly with your insurer for benefits and compensation instead of seeking reimbursement from the other driver\u2019s insurance company or a lawsuit.<\/p>\n\n\n\n<p>The goal is to make the claims process simpler and help people access support quickly. Instead of pursuing compensation from another driver\u2019s insurance company or through the courts, you work directly with your own insurer for benefits and support.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-if-it-s-no-fault-does-fault-still-matter\">If it&#8217;s \u201cno-fault,\u201d does fault still matter?<\/h2>\n\n\n\n<p>Let\u2019s clear up a common misconception: no-fault insurance doesn\u2019t mean nobody is held responsible for a collision.<\/p>\n\n\n\n<p>Even though you typically file a claim with your own insurance company, insurers still investigate collisions and determine who was responsible. Depending on the circumstances, a driver can be found anywhere from 0 per cent to 100 per cent at fault.<\/p>\n\n\n\n<p>Moreover, fault can still affect how a claim is handled and may have insurance consequences, depending on the rules in your province or territory. For example, if you\u2019re found to be at fault for a collision, you may have to pay a deductible and your insurance premiums may increase at renewal.<\/p>\n\n\n\n<p>So, while no-fault insurance determines who you deal with after an accident, it doesn\u2019t eliminate the concept of fault altogether.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-why-does-no-fault-insurance-work-differently-across-canada\">Why does no-fault insurance work differently across Canada?<\/h2>\n\n\n\n<p>In Canada, auto insurance is regulated by provinces and territories, which means the rules can vary depending on where you live. Coverage, accident benefits, claims processes, and the ability to sue after an accident are different from one jurisdiction to another.<\/p>\n\n\n\n<p>For example, every province and territory requires drivers to carry a minimum amount of <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/auto-car-insurance\/\"><\/a><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/auto-car-insurance\/\" target=\"_blank\" data-dig-id=\"LP-CarInsurance-41024-b23a2f38\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"link click\" data-dig-label=\"auto insurance\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">auto insurance<\/a>. Think of the mandatory minimum coverage as the baseline protection that you\u2019re legally required to have before getting behind the wheel. However, the specific coverage requirements and minimum limits change by province and territory.<\/p>\n\n\n\n<p>It\u2019s the same with no-fault insurance: after an accident, you generally work with your own insurance company. But how no-fault insurance works may look different across the country. For instance:<\/p>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__article  is-style-list list\" data-bg-hero-desktop=\"\" data-bg-hero-mobile=\"\">\n<div class=\"wp-block-group calloutCard__article__content is-layout-flow wp-block-group-is-layout-flow\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Ontario, New Brunswick, Newfoundland and Labrador, Nova Scotia, Prince Edward Island, the Yukon, the Northwest Territories, and Nunavut use <a href=\"https:\/\/www.ibc.ca\/insurance-basics\/auto\/types-of-auto-coverage\/mandatory-auto-insurance-requirements\"><\/a><a href=\"https:\/\/www.ibc.ca\/insurance-basics\/auto\/types-of-auto-coverage\/mandatory-auto-insurance-requirements\" target=\"_blank\" data-dig-id=\"LP-CarInsurance-41024-8298ef18\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"link click\" data-dig-label=\"private insurance systems\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">private insurance systems<\/a> that include no-fault coverage.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Alberta currently operates a private, tort-based insurance system, but plans to pivot <a href=\"https:\/\/www.alberta.ca\/care-first-auto-insurance\"><\/a><a href=\"https:\/\/www.alberta.ca\/care-first-auto-insurance\" target=\"_blank\" data-dig-id=\"LP-CarInsurance-41024-84839388\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"link click\" data-dig-label=\"to a no-fault care-first insurance model\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">to a no-fault care-first insurance model<\/a> effective January 1, 2027.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>British Columbia, Saskatchewan, and Manitoba have public, no-fault auto insurance systems run by the <a href=\"https:\/\/www.ibc.ca\/insurance-basics\/auto\/types-of-auto-coverage\/mandatory-auto-insurance-requirements\"><\/a><a href=\"https:\/\/www.ibc.ca\/insurance-basics\/auto\/types-of-auto-coverage\/mandatory-auto-insurance-requirements\" data-dig-id=\"LP-CarInsurance-41024-8bc0b5c6\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"link click\" data-dig-label=\"provincial governments\" class=\"rbc-link-format\">provincial gov<\/a><a href=\"https:\/\/www.ibc.ca\/insurance-basics\/auto\/types-of-auto-coverage\/mandatory-auto-insurance-requirements\" target=\"_blank\" data-dig-id=\"LP-CarInsurance-41024-8bc0b5c6\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"link click\" data-dig-label=\"provincial governments\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">e<\/a><a href=\"https:\/\/www.ibc.ca\/insurance-basics\/auto\/types-of-auto-coverage\/mandatory-auto-insurance-requirements\" data-dig-id=\"LP-CarInsurance-41024-8bc0b5c6\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"link click\" data-dig-label=\"provincial governments\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\">rnments<\/a>. After an accident, drivers generally turn to the public insurance system for benefits rather than the courts.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Quebec uses a <a href=\"https:\/\/www.ibc.ca\/insurance-basics\/auto\/types-of-auto-coverage\/mandatory-auto-insurance-requirements\"><\/a><a href=\"https:\/\/www.ibc.ca\/insurance-basics\/auto\/types-of-auto-coverage\/mandatory-auto-insurance-requirements\" target=\"_blank\" data-dig-id=\"LP-CarInsurance-41024-b8cd48de\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"link click\" data-dig-label=\"hybrid system\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">hybrid system<\/a> that combines public and private insurance. Bodily injury claims are handled through the public system, while property damage and civil liability coverage are provided through private insurance.<\/p>\n<\/li>\n<\/ul>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<p>Imagine you\u2019re driving home when another vehicle swerves into your lane and hits your car. What do you do next?<\/p>\n\n\n\n<p>After making sure everyone is safe and exchanging information with the other driver, you\u2019ll typically contact your insurance company to start a claim.<\/p>\n\n\n\n<p>Under a no-fault model, your insurer generally handles eligible medical and rehabilitation benefits, income replacement, and other accident benefits, regardless of who caused the collision. At the same time, insurers investigate the accident and determine who was at fault.<\/p>\n\n\n\n<p>The important thing to remember is that you don\u2019t need to prove who caused the accident or wait for a legal settlement before accessing support through your insurance coverage. Instead, you work directly with your own insurer to begin the claims process.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-no-fault-insurance-in-ontario\">No-fault insurance in Ontario<\/h2>\n\n\n\n<p>Ontario uses a <a href=\"https:\/\/www.fsrao.ca\/consumers\/auto-insurance\/purchasing-your-policy\/what-standard-auto-insurance-policy\"><\/a><a href=\"https:\/\/www.fsrao.ca\/consumers\/auto-insurance\/purchasing-your-policy\/what-standard-auto-insurance-policy\" target=\"_blank\" data-dig-id=\"LP-CarInsurance-41024-78678796\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"link click\" data-dig-label=\"no-fault insurance system\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">no-fault insurance system<\/a>, which means you\u2019ll typically deal with your own insurance company after an accident, regardless of who caused the collision. However, unlike some no-fault systems, Ontario allows drivers to take legal action against the at-fault driver for additional damages.<\/p>\n\n\n\n<p>Ontario drivers must also carry <a href=\"https:\/\/www.ontario.ca\/page\/register-and-insure-vehicle-ontario\"><\/a><a href=\"https:\/\/www.ontario.ca\/page\/register-and-insure-vehicle-ontario\" target=\"_blank\" data-dig-id=\"LP-CarInsurance-41024-91d0e5d2\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"link click\" data-dig-label=\"at least $200,000 in third-party liability coverage\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">at least $200,000 in third-party liability coverage<\/a>, although many choose higher limits \u2014 often $1 million or $2 million \u2014 for additional protection. &nbsp;<\/p>\n\n\n\n<p>Ontario drivers can also access <a href=\"https:\/\/www.fsrao.ca\/consumers\/auto-insurance\/purchasing-your-policy\/what-standard-auto-insurance-policy\"><\/a><a href=\"https:\/\/www.fsrao.ca\/consumers\/auto-insurance\/purchasing-your-policy\/what-standard-auto-insurance-policy\" target=\"_blank\" data-dig-id=\"LP-CarInsurance-41024-b9a327f8\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"link click\" data-dig-label=\"Direct Compensation Property Damage\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">Direct Compensation Property Damage<\/a> (DCPD), which helps cover damage to your vehicle, its contents, or its loss of use if another person was at fault for the accident. DCPD was previously mandatory, but you can now opt out. This coverage can only be removed at the request of the policy holder by speaking directly with their insurance representative. Opting out of DCPD isn\u2019t a small decision. Without it, you could be on the hook for repair costs where DCPD would otherwise apply, that can mean hundreds or thousands of dollars out of your pocket.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-no-fault-insurance-in-british-columbia-bc\">No-fault insurance in British Columbia (BC)<\/h2>\n\n\n\n<p>BC shifted to a no-fault insurance model in May 2021. Known as <a href=\"https:\/\/news.gov.bc.ca\/releases\/2020AG0054-001521\"><\/a><a href=\"https:\/\/news.gov.bc.ca\/releases\/2020AG0054-001521\" target=\"_blank\" data-dig-id=\"LP-CarInsurance-41024-56b0a8c9\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"link click\" data-dig-label=\"Enhanced Care\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">Enhanced Care<\/a>, it\u2019s operated through the Insurance Corporation of British Columbia (ICBC), a provincial government entity.<\/p>\n\n\n\n<p>Drivers and passengers injured in an accident can access medical care, recovery support, and income replacement benefits through <a href=\"https:\/\/icbc.com\/claims\/enhanced-care\"><\/a><a href=\"https:\/\/icbc.com\/claims\/enhanced-care\" target=\"_blank\" data-dig-id=\"LP-CarInsurance-41024-5b9be2c8\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"link click\" data-dig-label=\"ICBC\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">ICBC<\/a>, regardless of who caused the accident.<\/p>\n\n\n\n<p>Unlike some provinces, most people injured in a crash in BC can&#8217;t sue for damages. Instead, benefits are provided through the insurance system. ICBC still determines who was responsible for a collision, which can affect insurance premiums and other consequences for at-fault drivers.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-no-fault-insurance-in-alberta\">No-fault insurance in Alberta<\/h2>\n\n\n\n<p>Alberta operates under a <a href=\"https:\/\/www.airbfordrivers.ca\/albertas-insurance-system\/\"><\/a><a href=\"https:\/\/www.airbfordrivers.ca\/albertas-insurance-system\/\" target=\"_blank\" data-dig-id=\"LP-CarInsurance-41024-a69079c3\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"link click\" data-dig-label=\"tort-based system\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">tort-based system<\/a>, which means people injured in a collision can pursue compensation through the courts in certain circumstances. DCPD is also available in Alberta and although it was previously mandatory, you can now request to opt-out.<\/p>\n\n\n\n<p>But effective January 1, 2027, Alberta will adopt the no-fault system, <a href=\"https:\/\/www.alberta.ca\/care-first-auto-insurance\"><\/a><a href=\"https:\/\/www.alberta.ca\/care-first-auto-insurance\" target=\"_blank\" data-dig-id=\"LP-CarInsurance-41024-cca58192\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"link click\" data-dig-label=\"Care-First\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">Care-First<\/a>. Under this model, people injured in a collision will generally receive benefits through their own insurer instead of pursuing compensation through a lawsuit against an at-fault driver.<\/p>\n\n\n\n<p>Some benefits include access to treatment, income replacement, support for surviving spouses, and compensation for permanent injuries.<\/p>\n\n\n\n<p>Fault is determined after an accident and can affect insurance premiums. Drivers convicted of serious or criminal driving offences may also face additional legal consequences.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-no-fault-insurance-in-manitoba\">No-fault insurance in Manitoba<\/h2>\n\n\n\n<p>Manitoba has a public auto insurance system operated by Manitoba Public Insurance (MPI). Through its <a href=\"https:\/\/www.mpi.mb.ca\/personal-injury-protection-plan\/\"><\/a><a href=\"https:\/\/www.mpi.mb.ca\/personal-injury-protection-plan\/\" target=\"_blank\" data-dig-id=\"LP-CarInsurance-41024-c047f417\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"link click\" data-dig-label=\"Personal Injury Protection Plan\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">Personal Injury Protection Plan<\/a> (PIPP), compensation is guaranteed for Manitoba residents injured in an auto accident, regardless of who caused the collision.<\/p>\n\n\n\n<p>PIPP can help cover some of the financial challenges following an accident. Depending on the circumstances, benefits may include income replacement, personal care expenses, and compensation for permanent injuries.<\/p>\n\n\n\n<p>Benefits are available regardless of who is at fault. However, drivers convicted of a criminal offence related to the accident may not be eligible for certain benefits.<\/p>\n\n\n\n<p>PIPP covers Manitoba residents injured in accidents anywhere in Canada or the United States. &nbsp;It can also provide coverage for visitors to Manitoba in some circumstances.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-no-fault-insurance-in-saskatchewan\">No-fault insurance in Saskatchewan<\/h2>\n\n\n\n<p><a href=\"https:\/\/sgi.sk.ca\/basic-auto-injury-insurance\"><\/a><a href=\"https:\/\/sgi.sk.ca\/basic-auto-injury-insurance\" target=\"_blank\" data-dig-id=\"LP-CarInsurance-41024-b9acb0a3\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"link click\" data-dig-label=\"Saskatchewan gives drivers a choice\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">Saskatchewan gives drivers a choice<\/a>: stay with the default no-fault system or opt for tort coverage.<\/p>\n\n\n\n<p>Under the default no-fault system, benefits are guaranteed to residents injured in a car accident, regardless of who was at fault. There\u2019s one exception: drivers convicted of a crime related to the collision, such as impaired or careless driving, may not be eligible for some benefits. Coverage may include income replacement, medical and rehabilitation expenses, living assistance, and compensation for permanent injuries. &nbsp;<\/p>\n\n\n\n<p>Drivers who choose tort coverage may pay lower premiums, but they also give up some no-fault benefits and may need to go through the courts to seek compensation after the accident.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-no-fault-insurance-in-quebec\">No-fault insurance in Quebec<\/h2>\n\n\n\n<p><a href=\"https:\/\/saaq.gouv.qc.ca\/en\/traffic-accident\/public-automobile-insurance-plan\/in-brief\/\"><\/a><a href=\"https:\/\/saaq.gouv.qc.ca\/en\/traffic-accident\/public-automobile-insurance-plan\/in-brief\/\" target=\"_blank\" data-dig-id=\"LP-CarInsurance-41024-17ac2d12\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"link click\" data-dig-label=\"Quebec has a hybrid no-fault insurance system\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">Quebec has a hybrid no-fault insurance system<\/a> that combines public and private insurance.<\/p>\n\n\n\n<p>If you\u2019re a Quebec resident who is injured in a car accident, your bodily injury benefits are handled through the <a href=\"https:\/\/saaq.gouv.qc.ca\/en\/\"><\/a><a href=\"https:\/\/saaq.gouv.qc.ca\/en\/\" target=\"_blank\" data-dig-id=\"LP-CarInsurance-41024-d97bd148\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"link click\" data-dig-label=\"Soci\u00e9t\u00e9 de l\u2019assurance automobile du Qu\u00e9bec (SAAQ)\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">Soci\u00e9t\u00e9 de l\u2019assurance automobile du Qu\u00e9bec (SAAQ)<\/a>, no matter who caused the collision. The SAAQ may include support for medical and rehabilitation expenses, certain medications and medical devices, personal home assistance, and other injury-related costs.<\/p>\n\n\n\n<p>Because bodily injury claims go through the public system, drivers generally cannot sue another driver for bodily injuries resulting from a car accident.<\/p>\n\n\n\n<p>Property damage works differently. Damage to your car, other vehicles, or property is handled through private insurance. Quebec drivers must carry <a href=\"https:\/\/saaq.gouv.qc.ca\/en\/traffic-accident\/public-automobile-insurance-plan\/in-brief\"><\/a><a href=\"https:\/\/saaq.gouv.qc.ca\/en\/traffic-accident\/public-automobile-insurance-plan\/in-brief\" target=\"_blank\" data-dig-id=\"LP-CarInsurance-41024-7b17f10f\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"link click\" data-dig-label=\"at least $50,000 in civil liability coverage\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">at least $50,000 in civil liability coverage<\/a>, which can help cover damage or injuries they cause that aren\u2019t covered by the public plan.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-no-fault-insurance-in-atlantic-canada\">No-fault insurance in Atlantic Canada<\/h2>\n\n\n\n<p>New Brunswick, Nova Scotia, and Prince Edward Island operate under <a href=\"https:\/\/www.ibc.ca\/insurance-basics\/auto\/types-of-auto-coverage\/mandatory-auto-insurance-requirements\"><\/a><a href=\"https:\/\/www.ibc.ca\/insurance-basics\/auto\/types-of-auto-coverage\/mandatory-auto-insurance-requirements\" target=\"_blank\" data-dig-id=\"LP-CarInsurance-41024-b8077110\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"link click\" data-dig-label=\"hybrid no-fault systems\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">hybrid no-fault systems<\/a>. That means drivers can access accident benefits through their own insurer, while still being able to sue in certain cases involving serious injuries.<\/p>\n\n\n\n<p>Newfoundland and Labrador\u2019s <a href=\"https:\/\/www.gov.nl.ca\/gs\/insurance\/automobile-insurance-changes-2020\/\"><\/a><a href=\"https:\/\/www.gov.nl.ca\/gs\/insurance\/automobile-insurance-changes-2020\/\" target=\"_blank\" data-dig-id=\"LP-CarInsurance-41024-977aec59\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"link click\" data-dig-label=\"car insurance system\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">car insurance system<\/a> is mostly fault-based \u2014 which means injury claims are typically made against the insurer of the driver who caused the accident. However, drivers also have access to optional no-fault accident benefits that can help cover things like medical expenses and income replacement.<\/p>\n\n\n\n<p>All four Atlantic provinces also require <a href=\"https:\/\/www.ibc.ca\/insurance-basics\/auto\/types-of-auto-coverage\/mandatory-auto-insurance-requirements\"><\/a><a href=\"https:\/\/www.ibc.ca\/insurance-basics\/auto\/types-of-auto-coverage\/mandatory-auto-insurance-requirements\" target=\"_blank\" data-dig-id=\"LP-CarInsurance-41024-175e441b\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"link click\" data-dig-label=\"DCPD coverage\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">DCPD coverage<\/a>, which helps cover damage to your vehicle and contents after an accident. The amount of compensation you\u2019re eligible to receive depends on the degree to which you were responsible for causing the accident. For example, if you\u2019re found to be 50 per cent at fault, DCPD coverage may pay for 50 per cent of the repair costs. If you\u2019re not at fault, it pays the full cost of eligible repairs.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-no-fault-insurance-in-northwest-territories-yukon-and-nunavut\">No-fault insurance in Northwest Territories, Yukon, and Nunavut<\/h2>\n\n\n\n<p>The Northwest Territories (NWT), the Yukon, and Nunavut all operate under <a href=\"https:\/\/www.ibc.ca\/insurance-basics\/auto\/types-of-auto-coverage\/mandatory-auto-insurance-requirements\"><\/a><a href=\"https:\/\/www.ibc.ca\/insurance-basics\/auto\/types-of-auto-coverage\/mandatory-auto-insurance-requirements\" target=\"_blank\" data-dig-id=\"LP-CarInsurance-41024-3e023e16\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"link click\" data-dig-label=\"hybrid no-fault systems\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">hybrid no-fault systems<\/a>. That means you file a claim with your own insurer no matter who is at fault, and you can receive compensation up to a certain amount for such things as medical costs and disability benefits, However, you can also sue for damages that go beyond standard coverage, or for pain and suffering.<\/p>\n\n\n\n<p>In all three territories, a minimum of <a href=\"https:\/\/www.ibc.ca\/insurance-basics\/auto\/types-of-auto-coverage\/mandatory-auto-insurance-requirements\"><\/a><a href=\"https:\/\/www.ibc.ca\/insurance-basics\/auto\/types-of-auto-coverage\/mandatory-auto-insurance-requirements\" target=\"_blank\" data-dig-id=\"LP-CarInsurance-41024-2c12ebec\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"link click\" data-dig-label=\"$200,000 in third-party liability\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">$200,000 in third-party liability<\/a> is mandatory along with accident benefits and uninsured automobile coverage, which protects you in case the other driver doesn\u2019t have insurance or if you are involved in a hit-and-run accident.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-no-fault-insurance-affects-your-car-insurance-premiums-in-canada\">How no-fault insurance affects your car insurance premiums in Canada<\/h2>\n\n\n\n<p>Under a no-fault insurance system, being found at fault for a collision does not prevent you from receiving accident benefits. However, it can affect what you pay for car insurance in the future.<\/p>\n\n\n\n<p>Depending on your driving record, claims history, and rules in your province or territory, you could face:<\/p>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__article  is-style-list list\" data-bg-hero-desktop=\"\" data-bg-hero-mobile=\"\">\n<div class=\"wp-block-group calloutCard__article__content is-layout-flow wp-block-group-is-layout-flow\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Higher <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/car-insurance\/how-to-calculate-car-insurance-premium\/\"><\/a><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/car-insurance\/how-to-calculate-car-insurance-premium\/\" target=\"_blank\" rel=\"noreferrer noopener\" data-dig-id=\"LP-CarInsurance-41024-659efeeb\" data-dig-label=\"insurance premiums\" data-dig-action=\"link click\" data-dig-category=\"LP-CarInsurance\" class=\"rbc-link-format\">insurance premiums<\/a> at renewal.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>A negative impact on your Driver Record or similar driving score. Maintaining a clean driving record is one of the ways you can <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/car-insurance\/how-to-save-money-on-car-insurance\/\"><\/a><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/car-insurance\/how-to-save-money-on-car-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\" data-dig-id=\"LP-CarInsurance-41024-88ebda46\" data-dig-label=\"save money on your car insurance\" data-dig-action=\"link click\" data-dig-category=\"LP-CarInsurance\" class=\"rbc-link-format\">save money on your car insurance<\/a>.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Out-of-pocket repair costs if you don\u2019t have certain coverages, such as DCPD.<\/p>\n<\/li>\n<\/ul>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<p>That\u2019s why it\u2019s important to understand how your province or territory\u2019s insurance system works. While no-fault insurance changes how claims are handled, it doesn\u2019t eliminate accountability.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-the-bottom-line\">The bottom line<\/h2>\n\n\n\n<p>No-fault insurance isn\u2019t about avoiding blame \u2014 it&#8217;s about helping people access support when they need it most.<\/p>\n\n\n\n<p>While the rules vary across Canada, understanding how your province or territory\u2019s insurance system works can help you feel more confident behind the wheel and better prepared for the unexpected.<\/p>\n\n\n\n<p>If you have questions about your auto insurance options, <a href=\"https:\/\/www.rbcinsurance.com\/request-a-call\/personal-insurance\/contact-us\/index.html\" target=\"_blank\" data-dig-id=\"LP-CarInsurance-41024-577ee84b\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"link click\" data-dig-label=\"a licensed RBC Insurance advisor \" rel=\"noreferrer noopener\" class=\"rbc-link-format\"><\/a><a href=\"https:\/\/www.rbcinsurance.com\/request-a-call\/personal-insurance\/contact-us\/index.html\">a licensed RBC Insurance advisor<\/a> can help you choose a policy that\u2019s right for you.<\/p>\n<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<section class=\"wp-block-rbc-section-block  pos-rel section-ads has-fff-background-color has-background\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner block-wpr bg-light-blue rounded-corners pos-rel mob-pad-t pad-t pad-b mob-pad-b pad-l mob-pad-l pad-r mob-pad-r centered-block\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading has-text-align-center mar-b-hlf mob-mar-b-hlf mob-pad-t-hlf\" id=\"h-get-your-free-car-insurance-quote\">Get Your Free Car Insurance Quote<\/h2>\n\n\n\n<p class=\"has-text-align-center mar-b-hlf mob-mar-b-hlf pad-r mob-pad-r pad-l mob-pad-l has-text-lg-font-size\">Take a few minutes to get a competitive auto insurance quote online<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button aligncenter btn before is-style-primary primary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www1.myrbcsso.rbcinsurance.com\/ada\/quoter?productType=auto&amp;campaignID=BLOG_A13&amp;Lang=FR\" data-dig-id=\"LP-11882-476a44f4\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Start my Quote-https:\/\/www1.myrbcsso.rbcinsurance.com\/ada\/quoter?productType=auto&amp;campaignID=BLOG_A13&amp;Lang=FR \">Start my Quote<\/a><\/div>\n<\/div><\/div>\n\n\n\n<p class=\"has-text-align-center  mar-t-hlf\"><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/auto-car-insurance\/\" target=\"_blank\" data-dig-id=\"LP-Assuranceauto-7536-eb5cbf80\" data-dig-category=\"LP-Assuranceauto\" data-dig-action=\"link click\" data-dig-label=\"Learn More\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">Learn More<\/a><\/p>\n<\/div>\n<\/section>\n<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__article  is-style-list list\" data-bg-hero-desktop=\"\" data-bg-hero-mobile=\"\">\n<div class=\"wp-block-group calloutCard__article__content is-layout-flow wp-block-group-is-layout-flow\">\n<h2 class=\"wp-block-heading\" id=\"h-frequently-asked-questions-faqs-about-no-fault-insurance\">Frequently asked questions (FAQs) about no-fault insurance<\/h2>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-what-does-no-fault-insurance-mean-in-canada\">What does no-fault insurance mean in Canada?<\/h4>\n\n\n\n<p>No-fault insurance doesn&#8217;t mean no one is held responsible for a collision. Instead, it means you\u2019ll typically turn to your own insurance company to file a claim and access benefits and compensation after an accident \u2014 regardless of who caused it. Your insurer handles your claim, while the other driver works with theirs.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Does every province and territory in Canada have no-fault insurance?<\/h4>\n\n\n\n<p>Yes. Every province and territory in Canada has some form of no-fault insurance, but it doesn&#8217;t work the same everywhere.<\/p>\n\n\n\n<p>No matter where you live, you\u2019ll generally deal with your own insurance company after an accident. However, the benefits available, whether you can sue after a collision and how claims are handled can vary.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Does no-fault insurance cover damage to my car?<\/strong><\/h4>\n\n\n\n<p>It can, depending on your coverage and the circumstances of the accident.<\/p>\n\n\n\n<p>\u201cNo-fault\u201d means you deal with your own insurance company, regardless of who caused the accident. How damage to your vehicle is covered depends on the situation, including the coverage you carry and who is at fault. In some provinces, property damage is covered through coverage such as <a href=\"https:\/\/www.fsrao.ca\/consumers\/auto-insurance\/purchasing-your-policy\/what-standard-auto-insurance-policy\"><\/a><a href=\"https:\/\/www.fsrao.ca\/consumers\/auto-insurance\/purchasing-your-policy\/what-standard-auto-insurance-policy\" target=\"_blank\" data-dig-id=\"LP-CarInsurance-41024-14fcd87b\" data-dig-category=\"LP-CarInsurance\" data-dig-action=\"link click\" data-dig-label=\"Direct Compensation Property Damage (DCPD)\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">Direct Compensation Property Damage (DCPD)<\/a> or similar coverage.<\/p>\n\n\n\n<p>Review your policy or speak with your insurer to understand exactly what\u2019s included.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse2de7ba0a\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse2de7ba0a\" data-dig-id=\"LP-12729-2de7ba0a\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Things Our Lawyers Want You to Know\"><div>Things Our Lawyers Want You to Know<\/div><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse2de7ba0a\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p class=\"has-text-sm-font-size\">*Home and auto insurance products are distributed by RBC Insurance Agency Ltd. and underwritten by Aviva General Insurance Company. In Quebec, RBC Insurance Agency Ltd. Is registered as a damage insurance agency. As a result of government-run auto insurance plans, auto insurance is not available through RBC Insurance in Manitoba, Saskatchewan and British Columbia. Not everyone who uses online platforms or calls in will be able to get a quote or buy an insurance policy.<\/p>\n\n\n\n<p class=\"has-text-sm-font-size\">This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\n<div style=\"height:31px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Wondering how no-fault insurance works in Canada? Learn what it means, how fault is determined, and how the rules vary by province and territory.<\/p>\n","protected":false},"author":222,"featured_media":41026,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"templates\/new-rbci-design.php","format":"standard","meta":{"_acf_changed":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[49],"tags":[28,20],"article-type":[80],"ppma_author":[190],"class_list":{"0":"post-41024","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-car-insurance","8":"tag-auto","9":"tag-car-insurance","10":"article-type-advice-learning"},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.3 (Yoast SEO v28.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>How Does No-Fault Insurance Work in Canada? A Guide | RBC Insurance<\/title>\n<meta name=\"description\" content=\"Wondering how no-fault insurance works in Canada? Learn what it means, how fault is determined, and how the rules vary by province and territory.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/car-insurance\/how-does-no-fault-insurance-work\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How Does No-Fault Insurance Work in Canada? A Guide | RBC Insurance\" \/>\n<meta property=\"og:description\" content=\"Wondering how no-fault insurance works in Canada? 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