Reference no: EM132200398

Automobile Insurance

Tired from a long day at work, Daryl missed a partially obstructed stop sign at the corner and hit another vehicle on their passenger side. Daryl's vehicle suffered minor front end damage. The other vehicle, driven by a young Fanshawe student Allison, suffered extensive damage and her airbags deployed. Allison was the only person in her vehicle. Both of the vehicles were registered and insured in Ontario.

1. Referring to the Ontario Fault Determination Rules start by determining fault in this scenario.

2. Explain what sections of Daryl's policy would respond to a claim for physical damage, based on your determination of fault. Would there be a deductible?

3. Explain what sections of Allison's policy would respond to a claim for physical damage, based on your determination of fault. Would there be a deductible?

4. If Allison suffers serious injuries and decides to pursue compensation in the courts, what benefits would be available to her. Would there be any limitations, restrictions or deductibles?

5. Is there anything else that might be relevant in this situation? Explain your answer.

This is the link for the Ontario Fault Determination Rules: https://www.minkinsurance.com/Mink/media/Documents/FAULT-CHART.PDF