You can review insurance fault determination rules here: https://www.ontario.ca/laws/regulation/900668 If you're determined to be partially or fully at fault, it will likely impact your rates. How much will depend on your policy and provider. Yeah, I did review these rules, it seemed like I was not...

Police and insurance detemination of fault are two completely seperate things. Insurance will almost always put the blame on the person that rear ended the other person. Police do not care about insurance determination, so they could charge either you or the other driver (or both) if they think eit...

I was driving in a heavy traffic to Toronto. I wanted to change to left lane. I turned on my left-signal, did blind spot check. I thought that was safe and enough for me to change lane. I accelerated and finished changing the lane, all of my car was in the new lane I just changed. Then I intended to...