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Ontario Personal Injury Law Firm

having one way insurance in an accidentOne way insurance is one of the terms used when referring to Ontario auto insurance options. This option may be beneficial for drivers looking to save money, but there are certain risks with having cheaper auto insurance. For instance, it may skimp on certain coverage.

Below, our legal team explains some important things to know about one way insurance and why it may be beneficial to increase your coverage limits or obtain additional coverage to protect yourself in the event of an accident. An initial consultation is completely free with no obligation to retain our services.

What Does One Way Insurance Cover?

One way insurance is a basic type of auto insurance that provides limited liability coverage and direct compensation property damage (DCPD). In Ontario, all drivers must have some type of auto insurance. With one way insurance, you will be getting the minimal mandatory coverage required in the province.

If you are at fault in a car accident, a one way auto policy will only cover the damages done to other vehicles involved and not your own. This means you will have to pay out of pocket to repair or replace your vehicle. These expenses can be significant depending on the seriousness of the accident. Even if you are in a single vehicle accident, any damage  to your vehicle will also not be covered.

One Way Versus Two Way Insurance

The difference with one way and two way insurance is the amount of coverage included in your policy.

Ontario drivers must have $200,000 in liability, basic accident benefits and compensation for property damage. This is all included in a one way auto policy, but a two way auto policy provides additional coverage that exceeds the mandatory insurance requirements.

One way insurance typically only covers any injuries and damages to someone else in an accident. However, in many provinces, such as Ontario, the DCPD portion of your policy may cover damage to your vehicle if the accident was not your fault. It is important to note that the other driver must have a policy from a licensed auto insurance company in the province.

Two way insurance offers a wider range of coverage. In an accident, it can cover damage you may cause to others and damage to your vehicle. You will also have comprehensive coverage, protecting you from vehicle theft, vandalism or fire.

Why Consider One Way Insurance?

One way insurance would be beneficial for drivers who want affordable coverage but are also insuring a vehicle that is not worth much. If the vehicle is older and the cost to repair or place it is considerably low, this may be the option for you. Having a standard two way insurance policy may not be necessary.

It is important to be mindful of the risks involved with having a one way auto policy. If your vehicle gets stolen or becomes wrecked, you will not be covered. You will be required to pay for any costs up front.

If you are considering leasing a vehicle, one way insurance is not enough coverage in most cases. You will more than likely be required to have both comprehensive and collision coverage.

Protect Your Rights After a Car Accident

At Greg Monforton & Partners, we have been protecting the rights of injury victims, including car accident victims, for over 35 years. Our firm has obtained millions in compensation for our clients.

A reputable Windsor car accident lawyer from our firm is prepared to communicate and negotiate with the insurance company on your behalf. We know what it takes to determine the full value of a claim.

There is no risk in calling us and no obligation to hire us after a free initial consultation. There are no upfront fees to take a case on and no fees while we work on a case. If you get paid, we get paid.

Trusted. Local. Lawyers. Ph: (866) 320-4770.

driver operating a vehicle without a licenceIf you have been involved in an accident with an unlicenced driver, you may be concerned about his or her lack of insurance or means to pay for your losses.

Regardless of whether the other driver has never held a licence, has an invalid or expired licence or has a suspended licence, it is important that you understand your rights and potential legal options in these cases.

A Windsor car accident lawyer from our firm is prepared to help you seek maximum compensation for your injuries and damages. Learn if you have a valid claim during a free legal consultation. There is no risk in calling us and no obligation to take legal action after this initial meeting.

Guidelines To Operate a Motor Vehicle

It is against the law to drive without a licence. The Ontario Highway Traffic Act states that it is illegal for a person to operate a vehicle when they are not qualified. If drivers are caught with an invalid licence, the vehicle will be impounded for seven days and result in a fine of at least $200 and up to $1,000.

In Ontario, there are 12 different types of licences. The class of licence you have must match the type of vehicle being driven. To operate a motor vehicle (car, van or small truck),  you must have a Class G licence. This class of licence is also required to operate any other type of vehicle with the exception of motorcycles. For new drivers, obtaining a Class G licence is a two-step licensing process.

A Class G1 licence allows drivers to only operate a vehicle with an accompanying full licenced driver with at least four years of driving experience. A Class G2 licence gives drivers full driving privileges.

Liability in Accidents With Unlicenced Drivers

Ontario is a no-fault insurance province. This does not mean that no one will be found at fault in the event of an accident. In any accident there will be a determination of fault. This includes accidents involving unlicenced drivers. What is different in a no-fault system is how a claim will be paid out.

Generally, the insurance company of the at-fault driver will be responsible for paying out on claims for their insured party and the other party involved. However, in a no-fault insurance system, it does not matter who is at fault. Even if the other driver was driving without a proper licence when he or she hit you, you would need to go through your own insurance company to cover your losses.

Can I Sue an Unlicenced Driver?

In order to take legal action against an unlicenced driver, you must be able to prove negligence. This means showing that the other driver had a duty of care to prevent harm to you, this duty of care was breached and this breach directly resulted in your injuries and caused you to suffer damages.

Driving without a licence is not inherently negligent. Determining whether negligence caused or contributed to an accident will vary on a case-by-case basis. This is why it is important to consult with an experienced lawyer to get a better understanding of your rights.

Allowing an Unlicenced Driver to Use Your Vehicle

Vehicle owners will be breaching their insurance if they permit someone to drive their vehicle who is not authorized or qualified by law to do so.  A vehicle owner must take reasonable steps to ensure that the driver is both able and qualified to use his or her vehicle.

If the unlicenced driver causes an accident, the insurance generally follows the vehicle, not the driver. The owner of the vehicle could be considered liable for the accident and held responsible for paying any damages — regardless of the licensure status of the at-fault driver.

Reach Out to Our Legal Team Today

Our legal team at Greg Monforton & Partners have extensive experience handling a variety of car accident cases. We have helped recover millions of dollars in compensation on behalf of our clients. This includes $6.3 million for the victim of a rear-end accident who suffered a severe traumatic brain injury.

An initial consultation is 100 per cent free of charge. You pay nothing up front if we represent you and no fees while we work on your potential case. We are standing by to take your call or chat online.

Have Questions? We have Answers. Ph: (866) 320-4770.