What does "no-fault insurance" mean in Ontario?

In Ontario, "no-fault insurance" means that regardless of who caused the accident, each driver's own insurance company is responsible for covering their damages and injuries. This system is designed to simplify the claims process and reduce the need for legal battles over fault determination, thereby enabling quicker access to benefits for the injured parties.

With no-fault insurance, individuals receive compensation from their own insurer for medical expenses, lost wages, and other costs associated with the accident, streamlining the process and minimizing disputes. This approach helps ensure that drivers are supported and can recover more efficiently, irrespective of liability.

The other options presented do not accurately capture the essence of no-fault insurance. For instance, while the concept implies a limited role for fault in payments, insurance investigations may still occur as companies need to validate claims. Similarly, while this system facilitates access to benefits, it does not mean that only at-fault drivers cover damages, nor does it imply that no payments are warranted in minor accidents.