• Wed. May 18th, 2022

Who is responsible for a rear-end collision?

And how is fault determined?

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Rear-end collisions account for approximately a third of all vehicle collisions, but despite their frequency, there is still a lot of confusion as to how to determine who is at fault in such a scenario.

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It doesn’t matter if it’s a small car accident in a parking lot or a distracted motorist behind you on your way to the store, chances are many of us have been involved in a collision. from behind at some point. If so, you’ve probably wondered if the rear driver or the lead driver is responsible.

Common causes of rear-end collisions

Most rear-end collisions are preventable and are often caused by driver negligence. Some common causes of rear-end collisions include:

  • Not maintaining a safe distance
  • Tailgating or following too closely
  • Distracted driving (for example, talking on the phone, texting, using devices)
  • Fatigue or drowsiness
  • Speeding
  • Faulty brake lights

Drivers must maintain a safe distance between other cars on the road and maintain control of their vehicle at all times.

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How is fault determined in a rear-end collision?

Your insurance company and that of the other party involved will both interview you to determine who is at fault, but generally the case law has clearly established, particularly in Ontario, that the rear driver is 100 percent at fault because they should have driven in a way that allows them to control their vehicle and stop in time. It doesn’t matter if the lead driver is stopped, moving, or turning, the rear driver is probably still at fault.

Things get a bit more complicated when it comes to rear-end collisions involving several vehiclesthe. Typically, if the leading cars are stopped at the time of the collision, the last car takes full responsibility for the accident. However, if all vehicles are moving when another vehicle hits them from behind, the last car is still 100% at fault hitting the next car, but the middle cars are also 50% at fault hitting the next car. car in front of them. .

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Will a rear-end collision affect my car insurance rate?

A rear-end collision where you are found guilty would unfortunately have an impact on your auto insurance rate at the time of renewal. Your rate is bound to increase. Generally speaking, the only time an at-fault collision doesn’t impact your rate is if you have an accident forgiveness endorsement or minor conviction protection.

That’s why it’s so important to compare car insurance rates on an annual basis and especially after a rate hike. Depending on the insurance company, you might find a lower premium elsewhere.

LowestRates.ca is a free, independent rate comparison website that allows Canadians to compare rates from over 75 providers for various financial products, such as home and auto insurance, mortgages and credit cards.

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