What are my rights in Canada when I am zero at fault in a car accident?
I was recently in a car accident. I was zero at faults. The other person hit my car in broad daylight with lots of witnesses. Driver admitted to 100% fault. In a nutshell, I was minding my own business driving in my own lane when all of sudden the other driver crossed yellow centre line and collided with my car. Insurance of driver causing accident wants to write off my car. I want to refuse and ask them to restore my car.
I always assumed that our social contract we have in our society in Canada is that if I destroy your private personal property, and it is my fault, then oh my golly I am responsible to make it right by restoring your property to its before accident condition. Granted it may be costly no doubt, but that’s fair isn’t it?
So why can’t I ask the other insurance company to rebuild and restore my car? We all carry $500,000 (some have million dollar or more) liability insurance for such a day, right? SO Why doesn’t insurance company step-up to the plate and say: we will fix your car??!! Oh by the way we are so sorry our client was such a disk and wasn’t paying attention and hit your car.
So, if you have a comment or suggestion as how I should proceed with other person’s insurance company please write here. I really appreciate your input and suggestion. I have not signed anything so my options are all open. Should I get a lawyer to fight? My car is a daily commuter, and not a expensive car. And parts are cheap. Car can be fixed. I really love my car and want to have it fixed and continue using it. Thank you.