Is it worth it to make an auto insurance claim for minor fender bender?
- Thread starter black booty lover
- Start date
I also thought think this is interesting:
The Ontario Insurance Act was updated in 2016 to prevent insurers from increasing premiums for minor collisions with property damage less than $2,000. There also must be no injuries and no payout by the insurance company as the responsible driver would bear the cost.
The Ontario Insurance Act was updated in 2016 to prevent insurers from increasing premiums for minor collisions with property damage less than $2,000. There also must be no injuries and no payout by the insurance company as the responsible driver would bear the cost.
Since it is out of your control, all you can do is to wait and find out.
Having said that, offering to pay for his repair may provide a disincentive for him to report. No forms to fill out etc., etc.
So just an update. I contacted my insurance company and the bottom line is this:
If this guys company files a claim, it will be up to me if I want to use my "forgiveness insurance". You get one free one every 6 years. I've been driving for 30 years and this is the first one of these I've been in. So it's a gamble if I think it will happen again withing 6 years. If I don't use it, then what's the point and when will I use it? Not to mention, I would have to be "at fault" again for my rates to go up.
That's gamble I have figure out.
If this guys company files a claim, it will be up to me if I want to use my "forgiveness insurance". You get one free one every 6 years. I've been driving for 30 years and this is the first one of these I've been in. So it's a gamble if I think it will happen again withing 6 years. If I don't use it, then what's the point and when will I use it? Not to mention, I would have to be "at fault" again for my rates to go up.
That's gamble I have figure out.
Technically true, but insurance companies can use almost any excuse to raise your rate. Statistics where you live, driving history, credit score, the car you drive, inflation etc. Mine increased 10% for no reason a couple years ago. So I had my broker shop around. She got me a better deal. Instead of going up 10% it went down 10%.
Does minor accident affect insurance Ontario?
With accident forgiveness on your policy, if you are found to be at fault for a minor collision, your insurer will not increase your premium for the incident. However, the accident will be recorded on your driving record, and if you switch insurers, your new premium may reflect the accident.
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Yeah I just won't switch insurers. The most annoying thing about insurance is it's such a gamble. Like what's the point in having accident forgiveness if you don't use it?
If it's a big enough company with a large fleet of vehicles, they may (likely) self insure damage to a certain dollar amount. As an example, one large rental truck firm self insures for damage and have an insurance company for liability. If they self insure then they won't be going to any insurance company they'll handle the claim internally.
Also, the company likely won't want to take the truck out of commission for a few days to get minor cosmetic damage, so you may not hear anything additional. On the road the truck makes more money than when it's sitting at an auto body shop.
Let us know if they follow-up and the final outcome.
Also, the company likely won't want to take the truck out of commission for a few days to get minor cosmetic damage, so you may not hear anything additional. On the road the truck makes more money than when it's sitting at an auto body shop.
Let us know if they follow-up and the final outcome.
This is exactly the type of answer I was looking, and this is what I took a gamble on. Now I have to keep my fingers crossed.
Thank you.
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Also when it happens in a parking lot. I was in a Subway restaurant parking lot, and was backing up out of my spot. I saw a guy backing up out of his spot almost directly across from me, and coming right at me fast.
I stopped moving and honked my horn, but he kept coming and hit me in my side door.
The police and my insurance company (Chubb) told me that in a public parking lot, unless I was still totally in my parking spot or better yet not even in my car, it was 50/50 liability for the collision damages. Nobody was hurt.
I know I already quoted this, but this was my thought process. The amount of headaches this is going to cause them for cosmetic damages that you can barely see probably isn't even worth their time.
Which is why I say, when you're in a parking lot, always back into a spot. If another vehicle reverses into you while you're going forward, they're at fault.
"Since the car backing up was moving in reverse at the time of the crash, it will usually be at fault in the accident. On the other hand, the car moving forward has the right of way. That car usually will not be at fault unless there is evidence that the driver was either not paying attention or was speeding."
The moral of the story is, back into parking spots.
So just an update on this....
So when this originally happened, (two weeks ago now) I had met him that same night on our street to discuss. So after him showing me a different part truck where he thought the damage was, I say "that's not where I hit you". I show him the tiny dent where I hit him and he basically says "okay, I have to let my office know and I'll follow up with you". A few days later I get a text from him with a quote he got for the damage. I tell him I've decided it turns out it's best that we actually do go through insurance. So he messages me saying "okay, his manager/office will need my insurance info...blah...blah..blah. I respond by saying "I will give it to her but I would like to speak with her directly". He gets very defensive about this with a few messages and then calls me. He's going off about how I don't know the people he works with and it's just best for him to pass on my info instead of speaking with his manager. I say, "okay that's fine, but I'm going to need your your insurance info back." He agrees and says that's he'll send it to me. Next thing I know I get a message from him saying "this whole thing has become to stressful for him and he's just going to pass my info to his manager so she can deal with it". Again, I say, well that's what I suggested before you got all upset about it but yes please do that.
That was Dec 5th, and since then I haven't heard anything from anyone. Personally I think the guy was just to pocket $900.00 bucks from me which is why I was asking in the first place if I should take the gamble.
How long do they have to make a claim a follow up on this?
So when this originally happened, (two weeks ago now) I had met him that same night on our street to discuss. So after him showing me a different part truck where he thought the damage was, I say "that's not where I hit you". I show him the tiny dent where I hit him and he basically says "okay, I have to let my office know and I'll follow up with you". A few days later I get a text from him with a quote he got for the damage. I tell him I've decided it turns out it's best that we actually do go through insurance. So he messages me saying "okay, his manager/office will need my insurance info...blah...blah..blah. I respond by saying "I will give it to her but I would like to speak with her directly". He gets very defensive about this with a few messages and then calls me. He's going off about how I don't know the people he works with and it's just best for him to pass on my info instead of speaking with his manager. I say, "okay that's fine, but I'm going to need your your insurance info back." He agrees and says that's he'll send it to me. Next thing I know I get a message from him saying "this whole thing has become to stressful for him and he's just going to pass my info to his manager so she can deal with it". Again, I say, well that's what I suggested before you got all upset about it but yes please do that.
That was Dec 5th, and since then I haven't heard anything from anyone. Personally I think the guy was just to pocket $900.00 bucks from me which is why I was asking in the first place if I should take the gamble.
How long do they have to make a claim a follow up on this?
I was in an accident in a parking lot. I hit the woman’s car. She was sitting in it at the time and she over the line. I will admit, I tried to squeeze in and shouldn’t have.
I was willing to go the no insurance route. Until I got some fake ass quote with no letter head of the shop. Just some paper.
I said go through insurance and I never heard from her or an insurance company. I don’t know if I was at fault because I hit her or she was at fault for parking over the line. But what I did learn is people don’t care about their cars, they care about money. I would bet he was trying to rip you off. I bet the company doesn’t even know about the dent.
I wouldn’t worry about it after the Xmas holidays.
Yeah this is what I'm thinking Jenesis. I just wanted to see what other people thought, as well as try to find out if anyone knew what the time frame is on something like this. I mean I'm pretty sure he can't go to long or else I'll say "that's not the amount of damage that was on there when this happened" blah...blah..blah.
Thanks for responding.
From quick google search it is 7 days to insurance and 24 hrs to collision Center.
7 Common Mistakes Following an Ontario Motor Vehicle Accident - Preszler Injury Lawyers
Many people make mistakes in the hours, days, and weeks after an Ontario car accident that can frustrate their ability to obtain legal compensation or insurance benefits for their property damage and personal injuries.
www.preszlerlaw.com
From quick google search it is 7 days to insurance and 24 hrs to collision Center.
.7 Common Mistakes Following an Ontario Motor Vehicle Accident - Preszler Injury Lawyers
Many people make mistakes in the hours, days, and weeks after an Ontario car accident that can frustrate their ability to obtain legal compensation or insurance benefits for their property damage and personal injuries.
Yeah I read that 7 days as well but it's confusing. It's says "you may lose your benefits".
