We explain insurer Fault Determination Rules vs. Highway Traffic Act tickets—what each means for points, fines, and premiums, and how to respond in Toronto & the GTA You’ve been in a collision around Toronto and your mind is racing: Am I “at fault”? Will I be charged? What do I do first?  Online answers often blur insurance rules with traffic law. This page clears that up in plain language and lays out a protected plan—what to do now, how fault is assigned for insurance, how