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Side by Side

Changing lanes
Rule 10,4
A
0%
B
100%

A common accident. It depends on proof. Both drivers will often claim the other is the one who changed lanes.

Without independent evidence, adjusters have to use rule 10.3 which makes it 50-50.

Both over centre line
Rule 10,2
A
50%
B
50%

When both vehicles turn into each other.

Details unconfirmed
Rule 10,3
A
50%
B
50%

When no one knows or can confirm who changed lanes.

Proof is an independent witness, a police report, or a dash cam.

Turning left and passing
Rule 10,7
A
0%
B
100%

A somewhat common rule. There has to be confirmation that B passed at least 1 car before overtaking A.

Turn left / overtaking - driveway
Rule 10,6
A
50%
B
50%

A somewhat common rule. We explain it as 50-50 because it is unknown when A started her turn, or B started to pass.

Both drivers share an onus to do both maneuvers safely.

Turn left / overtaking- intersection
Rule 10,5
A
25%
B
75%

Very rare. This rule only applies at intersections. It is different than 10.6 because B has a greater expectation of an possible turn.

It is also the only rule to have a 25-75 split. This rules doesn"t count as an at fault accident for A. But they still pay 25% of their collision deductible. Or only get 75% coverage under no fault.

Pile up
Rule 11,2
A
50%
B
50%

50% all round. No one knows how the mess started so blame is shared between everyone.