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Who's At Fault > If You're at Fault
Will It Affect My Claim Settlement?
Being found at fault affects things not covered by basic Autopac, like your deductible and substitute transportation expenses.
How much of these you'll get back depends on how much the other driver was at fault. That's because these items are claimed against the other driver's basic Autopac third party liability coverage.
For instance, if the other driver was 100% at fault, you'll get back 100% of your deductible, from the other driver's coverage. But if the other driver was only 25% at fault, you'll get back only 25% of your deductible from the other driver's coverage.
Remember though, this only applies when we know who the other motorist is, and we insure both of you. If the at-fault driver lives outside Manitoba and has insurance with another company, then your claim will have to be pursued against the other insurer.
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