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.

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.