No-fault insurance does sound like no one has to be responsible for a car accident, but that is not the case. When an accident occurs, it means that each driver is required to contact his or her own car insurance company regardless of which one caused the damage.

This type of auto insurance in Ontario also applies to each passenger in the cars involved. Each one must contact his/her own insurance company to see what benefits are available. In the event that someone is traveling with no insurance, they may be covered under the driver’s policy.

Fault Determination Rules are used by insurance companies so that fault is justly placed upon the right party (or parties) involved in an automobile accident. These rules work closely with the Insurance Act so that accidents are dealt with in a timely manner. Drivers beware that charges can still be made by the police at an accident using the Highway Traffic Act.

All types of accidents are up for determination of fault when they occur. Some are deemed “no fault” by either driver when road conditions come into play. Even though the police may decide this way, the insurance company still has to place blame somewhere. When an accident occurs the driver at fault will have to pay a deductible for damages and the insurance premiums may rise upon renewal of the policy.

Some do not agree with their “at fault” status when an insurance company makes a decision on an accident claim. There are ways to fight this. The insurance company’s Ombudsman Liaison Officer can be contacted and then the Ontario Insurance Ombudsman if needed. After these two, some opt for a court preceding if not happy with the outcome.

Vehicle tracking system has proved to be one of the most beneficial technologies developed in the field of vehicle security. The system uses GPS (Global Positioning System) technology to locate the car. Radio or satellite positioning tracks the current position of a car. This helps in locating the vehicle and has reduced the number of cars being stolen by undermining the confidence of thieves.

The vehicle tracking system includes the installation of an electronic device or a transmitter in the vehicle with computer software to track the vehicle’s location which can be viewed on electronic maps through internet or specialized software. The system is also popular as a prevention and retrieval device for the consumer vehicles. It also helps in the security system of the vehicles with some of them transmitting an automatic alert to a phone or email if an alarm is triggered so that the necessary action is taken. So even if your car is stolen, you can locate it with the help of technology and police to retrieve it successfully.

Car tracking systems have helped the fleet owners largely in monitoring their cars and equipment. The software provides idle time reporting, stop locations and durations, mileage by state reports, total mileage, speed evaluation, reporting by employee groups, animated track playback, and detailed daily driver log reports.

The technology also finds applications in stolen vehicle recovery, fleet management, asset tracking, field service management, field scales, trailer tracking, and surveillance. Another non conventional use of the system is in the hospitality industry where luxury hotels use it to track the vehicles of VIPs to ensure they welcome them on their arrival.

Intelligent Parking Assistance System is also known as the Advanced Parking Guidance System. It is an automatic parking system developed to assist drivers in parking their vehicle. It uses supersonic sensors to detect the position of other cars and automatically detects the best place to park.

The new technology steers the car for the drivers and performs difficult parking maneuvers in tight and restrictive spaces like in cases of parallel or garage parking. This is accomplished with the use of an electrically-operated power steering system, in-dash screen, back-up guide monitor technology, and button controls.

The Intelligent Parking Assistance System (IPS) directs the vehicle to a target parking position by adjusting the vehicle speed according to the driver’s operation and braking. This doesn’t even require any steering wheel operation and can be operated just by having a slight hold on the brake. The parking position is set based on the image taken by an onboard computer’s camera built into the forward and rear of the car. Sensors detect the proximity of nearby vehicles and display an image on the dashboard which can be used by the driver to target the parking space and the IPS takes over from there.

The system is in its infancy but greatly benefits novices and people having difficulty with parallel and/or garage parking.

While buying cars, thinking about your toddler’s safety is a prerequisite. Children are curious about their surroundings and enjoy exploring. But as they are unaware of dangers, the results can be fatal. To minimize these harmful consequences, car manufacturers have come up with technologies to protect children.

Child safety lock is one such special-purpose feature, which are built into the cars to prevent children from opening the doors both during travel and when stationary. The child safety lock is built into the rear doors of most cars and engaged through a small switch on the edge of the door accessible when the door is open. Some cars use a different locking mechanism as a device which is turned with the vehicle key. This design helps prevent disabling of the lock by mistake.

Child lock is inaccessible to the passengers when the door is closed. The principle behind its functioning is that when the child lock is engaged, the interior handle becomes useless due to disconnection of the handle by latch mechanism, allowing complete movement of the handle but denying door release. This renders the passenger unable to open the door from inside and virtually “locked-in”. The passenger can only be released by lifting the outside handle.

The lock makes the children safe inside the car and doesn’t allow accidental or intentional opening of rear doors by them when in motion. Some vehicles also have window-locking mechanisms. They are safe but can get your child locked-in, since the door can only be opened from outside. However, they offer safety when the car is in motion. Also, you may not be able to open the rear door when the child safety lock is engaged. An additional concern is being unable to open the door in cases of emergency. This makes parents wary of enabling the feature. But the factor of safety for children makes the feature desirable.