Accident

May 8th, 2015 1:46 pm

#1

Konowl [OP]: Deal Fanatic; Jan 25, 2004; 6739 posts; 6431 upvotes; Ottawa

May 8th, 2015 1:46 pm

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?

May 8th, 2015 1:50 pm

#2

EP32k2: Deal Expert; Jan 15, 2006; 19676 posts; 20115 upvotes; Richmond Hill

May 8th, 2015 1:50 pm

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.

May 8th, 2015 1:58 pm

#3

george__: Deal Expert; Jul 22, 2006; 22333 posts; 2978 upvotes

May 8th, 2015 1:58 pm

Person who rear ended the car is always at fault in Ontario

May 8th, 2015 2:16 pm

#4

durrsak: Deal Addict; Jun 10, 2011; 2186 posts; 724 upvotes; Etobicoke

May 8th, 2015 2:16 pm

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.

May 8th, 2015 2:39 pm

#5

conix67: Deal Addict; May 2, 2010; 1646 posts; 165 upvotes; Toronto

May 8th, 2015 2:39 pm

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.

May 8th, 2015 2:48 pm

#6

vkizzle: Deal Expert; Aug 22, 2011; 38194 posts; 24382 upvotes; Center of Universe

May 8th, 2015 2:48 pm

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).

May 8th, 2015 2:54 pm

#7

csi123: Deal Addict; May 10, 2011; 1476 posts; 526 upvotes; Ottawa

May 8th, 2015 2:54 pm

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.

May 8th, 2015 2:57 pm

#8

erexa: Sr. Member; Sep 18, 2008; 893 posts; 221 upvotes; Woodbridge

May 8th, 2015 2:57 pm

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?

May 8th, 2015 4:31 pm

#9

arm2000: Deal Addict; Jan 13, 2007; 4831 posts; 360 upvotes

May 8th, 2015 4:31 pm

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

May 8th, 2015 4:35 pm

#10

bembol: Deal Expert; Jan 27, 2006; 19320 posts; 3007 upvotes; Woodbridge

May 8th, 2015 4:35 pm

^ Beat me to it. That was rare and luck.

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