How important is responsibility or fault in a car accident?

Payments under Collision, Comprehensive and Accident Benefits coverage are made regardless of fault.

However, responsibility is of prime importance under Third Party Liability coverage. In these claims, the person held responsible for an accident may be required to pay for damages to the other driver’s car, for other property damaged in the accident, and for any injury claims resulting from it. For this reason you should ensure you have adequate Third Party coverage. Drivers who are at fault in an accident may also face higher insurance costs by losing their claim-free driving record.