u/Adorable-Term-2542

I'm hoping to get some perspective from anyone who has dealt with a chain accident in Ontario, specifically the Fault Determination Rules.

I was involved in a 3-car chain collision around Toronto. I was the middle car. The car in front me stopped. I applied brakes smoothly and was slowing down to a stop, but was violently rear-ended by a third car. The impact was severe enough to push my vehicle into the front car.

I gave an honest statement to police and insurance, noting I was "slowing down to stop" when I was hit from behind.

My insurance tells me that because I was still "in motion", according to Ontario fault determination rules, I am automatically 50% at fault for the impact with the front car.

Has anyone ever successfully challenged the "in motion" vs. "stationary" binary in an Ontario chain reaction?

I am planning a road trip from Calgary to Toronto in late June and have decided to take the US route. I’ll be driving a brand-new vehicle, and after a bad experience with hail in Alberta, I’m a bit concerned about the weather risks along the way.

I plan to cross the border into Montana (Coutts/Sweetgrass) and drive east through North Dakota, Minnesota, and Wisconsin. From there, I’ll head through Chicago (Illinois), wrap around into Michigan, and finally cross back into Canada (likely at Port Huron/Sarnia or Detroit/Windsor) for the final stretch to Toronto.

How frequent/severe are the hailstorms along the I-94/I-90 corridor in late June? I know this is peak storm season for the Great Plains and Midwest. Should I be genuinely worried about vehicle damage, or these are once every few year events?

I am planning a road trip from Calgary to Toronto in late June and have decided to take the US route. I’ll be driving a brand-new vehicle, and after a bad experience with hail in Alberta, I’m a bit concerned about the weather risks along the way.

I plan to cross the border into Montana (Coutts/Sweetgrass) and drive east through North Dakota, Minnesota, and Wisconsin. From there, I’ll head through Chicago (Illinois), wrap around into Michigan, and finally cross back into Canada (likely at Port Huron/Sarnia or Detroit/Windsor) for the final stretch to Toronto.

How frequent/severe are the hailstorms along the I-94/I-90 corridor in late June? I know this is peak storm season for the Great Plains and Midwest—should I be genuinely worried about vehicle damage?