Ontario Auto Insurance Quiz

Explanation
The correct answer is "An At Fault Accident." This means that the accident is considered to be your fault, regardless of the weather conditions. The insurance company will rate the accident as at fault because you hit a parked car, indicating that you were responsible for the collision. The weather conditions may have contributed to the accident, but ultimately, it is still considered your fault.

Explanation
In this scenario, since you were stopped at a red light and were rear-ended by another vehicle, it can be concluded that you are not at fault for the accident. The accident occurred due to the negligence of the driver who rear-ended your vehicle. Therefore, your insurance company will rate this accident as "Not At Fault."

Explanation
Based on the given scenario, you are traveling on a one-way street and are rear-ended, which causes you to hit the vehicle in front of you. According to the fault determination rules, it can be concluded that you are 50% at fault. This means that while the other driver is also responsible for the accident, you share equal responsibility for the collision because you hit the vehicle in front of you after being rear-ended.

Explanation
If you are involved in an accident and you have only the standard accident benefits auto policy coverages, the cost of dependent care will not be covered by your insurer. The standard accident benefits auto policy typically covers medical expenses, rehabilitation costs, and income replacement, but it does not include coverage for dependent care.

Explanation
The statement suggests that when auto reform was introduced on September 1, 2010, the benefits enjoyed on a policy before the changes were not reduced upon policy renewal. However, the correct answer is false, indicating that the benefits were indeed reduced upon policy renewal after the introduction of auto reform.

Explanation
The correct answer is "You." In this scenario, since you are the one backing out of the parking space, it is your responsibility to ensure that it is safe to do so. Therefore, if you are hit by a vehicle in the feeder lane while backing out, you are considered at fault for not yielding to oncoming traffic.

Explanation
If you are in a car accident and break your arm, you would not be entitled to any amount for housekeeping and home maintenance under the Standard Auto Policy coverage. This is because the coverage typically only provides compensation for medical expenses, loss of income, and other related costs, but not for housekeeping and home maintenance. Therefore, the correct answer is $0.

Explanation
Ontario Auto Policy only provides coverage within Ontario, Canada. Therefore, if you are on vacation in Mexico and get into a car accident, your Ontario Auto Policy will not respond and provide coverage.

Explanation
Approximately 54% of Ontarians involved in an auto accident suffer some sort of injury. This means that more than half of the people involved in auto accidents in Ontario experience some form of injury, whether it is minor or more severe. It indicates that auto accidents can have a significant impact on the physical well-being of individuals in this region.

Explanation
If you suffer a "minor injury" in an auto accident, regardless of whether you have chosen enhanced benefit coverage, you are only entitled to a maximum of $3500 for medical and rehabilitation benefits. This means that even if you have opted for additional coverage, it will not apply to minor injuries and the maximum amount you can receive for these types of injuries will still be limited to $3500. Therefore, the statement is true.