[OAC_Sparky]

I would check if I were you. "No fault" doesn't mean anything other than "your company pays for your damage, her company pays for hers".

It used to be that if you hit someone and you were at fault, your company would pay for damage to both cars. That used to take up a lot of time getting claims settled while the insurance companies bickered over who was at fault and who should pay. That's why it's "no fault" now. In no fault accidents they still assess blame and raise rates accordingly. It will still count as an accident. At least in Ontario and most other places I know of. Unless NB bucks the trend, but I have my doubts.