Just got a “Liability Status” email from my car insurance provider.

“Your current liability status is Not At Fault.”

Woo Hoo!

This means whatever is decided/awarded, it won’t be reduced by my $500 deductible.

It also means it’s the other guy who is gonna be paying more for insurance for the next few years because in Ontario, “If you are less than 25% at fault, the insurance company cannot increase your premium because of that accident.”