Rear-end collision while stopped at a red light

[tapanpatel88]

Less than an hour ago, my gf was rear ended at a red light. She was stopped at a red light when all of a sudden this a**hole rear ended her new 2009 Accent. I haven't witnessed this accident in person but I am describing it as I was told over the phone. Since it was her first accident, she was was very nervous and was in a state of panic when this happened. The damage is DEFINITELY over $1000; however, the police wasn't called at sight. I don't know why she didn't call the cops but out of nervousness and something happening for the first time, I am sure it slipped her mind.

She has taken all the information (VIN, policy number, phone number, license plates, etc) of the driver that hit her and we will be calling the insurance company in a matter of hours. The driver that hit her offered to settle this issue privately; however, gf chose to go through insurance (which I would have done as well) by exchanging information.

My question is, what should we do now from our side? Should we be going to a collision reporting centre right away or should we be calling our insurance company first?

I am thankful to god that she wasn't injured at all. There is no way that a** is running away from this. The reason why I ask is because I have never been in an accident thus I don't know how the procedure works. I would really appreciate getting help from some fellow RFDers. Thank you in advance.

[rems]

http://www.fsco.gov.on.ca/english/pu...rochures-1.pdf

[petaling108]

report to Accident reporting Centre at once.
you can still settle outside of insurance claim,in fact i was in a similar situation and the driver changed his tune after he reassured me he will take care of everything.He even had the gall to say that I backed up at the lights and hit him!Luckily, I reported to the accident centre and forced him to report there too under the law.
my insurance adjuster later arranged to force the perp to cough up the out-of-claim settlement (cheque) or goes thru our respective insurance cos.
After a lot of swearing at me and at my insurance adjuster and leaving obscene calls on my answering machine,he finally paid (to my adjuster and my adjuster sforwarded the cheque )to me to avoid going thru insurance.

[longitude]

Does she feel pain in her neck?

Here goes another 50k the insurance companies will lose.

[mkerian]

Does she feel pain in her neck?

Here goes another 50k the insurance companies will lose.

Blame the driver who rear ended her, not the victim.

[azncapcom]

the government pdf says "do not take any liability on scene and do not sign anything" if you dont do this, and both of you go report it to the collision centre, how do they find out whose at fault? especially if its a head to head? (theres no other witnesses)

also what if one party was 60% at fault and the other 40% at fault? will the premium go up for the driver that is 40% at fault?

[mkerian]

the government pdf says "do not take any liability on scene and do not sign anything" if you dont do this, and both of you go report it to the collision centre, how do they find out whose at fault? especially if its a head to head? (theres no other witnesses)

also what if one party was 60% at fault and the other 40% at fault? will the premium go up for the driver that is 40% at fault?

It's either 100% or 50/50.

[e1e0n]

Does she feel pain in her neck?

Here goes another 50k the insurance companies will lose.

So what? This claim from inscummer companies about lost in profit is scam. Oh! And they really didin't lose, they just got less then they used too. That's how they calculate their losses: profit last year minus profit this year is their loss!
Let see... Average we pay let say 3000/year for auto insurance. so, 16 people will make that 50K money for them in a year. How many people are getting in the accident a year (per 1000 drivers)? How many of them are claiming 50K? And the sad thing is: people getting frustrated with insurance cost, and than they are in accident, so they claim back on the insurance (they will get insurance premium increase anyway).

[jetway1212]

I am thankful to god that she wasn't injured at all. There is no way that a** is running away from this. The reason why I ask is because I have never been in an accident thus I don't know how the procedure works. I would really appreciate getting help from some fellow RFDers. Thank you in advance.

You're the ******* so far for calling names over a minor fender bender.

Seriously, go back to whatever nest you're crawling from.

[ssainani]

it seems every single thread you start is about your family getting into an accident -

maybe you all should consider the ttc

[ThePointblank]

it seems every single thread you start is about your family getting into an accident -

maybe you all should consider the ttc

Must be genetic...

Or we can get them all onto Canada's Worst Driver...

[Redro]

Don't listen to these guys, if the evidence is clear that you were hit in the back of the car, your insurance won't go up. I have been in a similar experience with a new car and the damage on my car looked minor and the guy wanted to pay me $300 and get it fixed at his friends shop with paint. He swore at me a lot to so I said f it, I am going through insurance enjoy your premium increase and I got my car fixed properly at the dealership and his insurance paid $1800 in damages.

If I got it fixed at his place, I sure as heck wouldn't have know there was damage to the shocks and other parts under the bumper. Also if you feel bad for screwing someone with there insurance premium for the next couple of years don't be, your new car is now worth about $2000 less for being in a accident, at least that is what I was quoted from an appraiser.

[rems]

So what? This claim from inscummer companies about lost in profit is scam. Oh! And they really didin't lose, they just got less then they used too. That's how they calculate their losses: profit last year minus profit this year is their loss!
Let see... Average we pay let say 3000/year for auto insurance. so, 16 people will make that 50K money for them in a year. How many people are getting in the accident a year (per 1000 drivers)? How many of them are claiming 50K? And the sad thing is: people getting frustrated with insurance cost, and than they are in accident, so they claim back on the insurance (they will get insurance premium increase anyway).

read the Star article about Accident benefit claims in the GTA vs the rest of Ontario. And the Finance minister made his decision regarding Bill 198 today. Read up on that too. Educate yourself instead of just sprouting out things that you THINK are true. Inform yourself...like knowing that your rates cannot be increased for making a claim that is NOT your fault.

[npinc]

It's a no brainer actually. The Insurance Rules state that any two vehicle collision where vehicle A is hit in the rear by vehicle B, vehicle B is 100% at fault. This fault will be assessed regardless of any charges laid or not laid by the lazy bum at the reporting centre. The insurance company can not assess otherwise.

I had a guy rear end me once when I was driving a rental car. The insurance company tried dinging me for a deductible. The guy lied to the insurance company AND the police about the accident. My lawyer reminded the insurance company of the insurance rules. They "went away" after that. In other words, they backed off, knowing that they weren't going to get away with it, but they WERE going to be sued if they persisted or in any way attempted to damage my insurance history.

Do NOT allow the at-fault driver to attempt ANY settlement outside of insurance. Chances are almost 100% guaranteed that they will try and bail after the fact.

ALWAYS put it through the insurance and let them fight it out. Trust me, you don't want to go through the nightmare of trying to sue the other driver. Sign absolutely nothing that would even hint at such an agreement, any fault assessment or anything else. State the facts to the reporting centre, sign the declaration, take a copy of it and call your adjuster ASAP.

[whampoa]

Whooh!!! Windfall, windfall, windfall.

That's what you are going to do, your gf have sudden eyes problem....yes she does.

Neck pain, check

Back problem, check

Unrepairable bumper, check

Chip pains all over the vehicle, check

Damage Nintendo DS, check

Now go collect that cheque.