Being seriously injured in a motor vehicle collision is life-altering on its own. Discovering that the at-fault driver does not have enough insurance to fully compensate you can make an already difficult situation feel even more overwhelming.
The good news is that Ontario’s insurance system is built with multiple layers of protection. Where the at-fault driver is insured, their policy is the starting point; however, it is far from the only source of recovery. In many cases, additional insurance coverage may be available through your own policy or other related policies. Understanding how these layers work is key to ensuring you are not left undercompensated.
The At-Fault Driver’s Insurance: The Starting Point
