Automotive

Accident

  • Last Updated:
  • May 8th, 2015 4:35 pm
Tags:
None
[OP]
Deal Fanatic
User avatar
Jan 25, 2004
6739 posts
6431 upvotes
Ottawa

Accident

Significant other was in an accident. Rear ended someone.

Damage was minimal. Driver got out, they exchange insurance information and left. Didn't think anything of it. Police were not called.

Today, the insurance company called about the accident.
I'm worried that our rates will pretty much get screwed now.

Police weren't called, so I guess there won't be an at-fault charge?
Any advice on how I should approach this?
9 replies
Deal Expert
Jan 15, 2006
19676 posts
20115 upvotes
Richmond Hill
Correct on charges not being laid, however insurance uses their own set of at fault ruling guides and your wife will be found at fault for the accident and unless you have accident forgiveness it is most certain that your rates will go up. Since this has gone through with insurance now you might as well see if it is worth it to pay the deductible to get your own car fixed.

Looks like the other party just went ahead and created a claim with their insurance.
Deal Expert
User avatar
Jul 22, 2006
22333 posts
2978 upvotes
Person who rear ended the car is always at fault in Ontario
Deal Addict
User avatar
Jun 10, 2011
2186 posts
724 upvotes
Etobicoke
If accident is minimal, try settling out of insurance first. If price is too high than get insurance involved.
Pretty much now you will have an accident in record 6+ years.
Deal Addict
May 2, 2010
1646 posts
165 upvotes
Toronto
durrsak wrote: If accident is minimal, try settling out of insurance first. If price is too high than get insurance involved.
Pretty much now you will have an accident in record 6+ years.
Too late. Insurance company called OP, so someone must have reported it already.
Deal Expert
Aug 22, 2011
38194 posts
24382 upvotes
Center of Universe
As others have mentioned, it's too late to settle.
You'll have to go through the insurance process and hope the other driver does not put in a injury claim down the road (it happens).
Deal Addict
May 10, 2011
1476 posts
526 upvotes
Ottawa
If this is the first accident under the policy the effect wouldn't be dramatic. Depends on your policy it may have no effect at all. Don't over worry about it.
Sr. Member
Sep 18, 2008
893 posts
221 upvotes
Woodbridge
I read ended someone a while ago, minor damage on her car, no damage on my car. The lady called cops, and they started the reporting, I even was given a claim number by the cop (you know the brochure that has officer badge number, officer name and the claim number on it).

I never received a call from my insurance company. Strange eh?
Deal Addict
Jan 13, 2007
4831 posts
360 upvotes
george__ wrote: Person who rear ended the car is always at fault in Ontario
That's not true. There is a older thread here with an example
Deal Expert
User avatar
Jan 27, 2006
19320 posts
3007 upvotes
Woodbridge
^ Beat me to it. That was rare and luck.
"I'll put up color bars before I'll put you in front of our cameras."

- MacKenzie
THE NEWSROOM (HBO)

Top