At Fault Accident Question

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Dec 12th, 2019 1:13 pm

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Dec 12th, 2019 12:23 pm

Tinka844 [OP]: Sr. Member; Jun 1, 2017; 983 posts; 49 upvotes; London, ON

Dec 12th, 2019 12:23 pm

At Fault Accident Question

Early last year (Feb 2018) my SO was in an at fault accident. He made an improper left turn and was hit by an on coming car, totaling both vehicles.

He was given an `improper left turn`ticket (non criminal offence) and everything progressed smoothly from there. No issues since.

Today, in the mail we received a letter from the other drivers lawyer and they will be making a claim for damages arising from the accident (under section 258.3 of the insurance act). It`s been nearly 2 years and we`re quite surprised this came.

Has anyone ever dealt with such a situation? I don't even know what to expect from this...will insurance cover what they are claiming or will they be able to take our house/assets?

I am completely freaking out over this.

Thanks!

8 replies

Dec 12th, 2019 12:23 pm

themagekiler: Deal Addict; Jan 31, 2008; 1249 posts; 46 upvotes; Markham

Dec 12th, 2019 12:23 pm

Let your insurance agent know about it and let them handle it.

+2

Dec 12th, 2019 12:26 pm

Rob_EV: Deal Fanatic; Sep 10, 2008; 7418 posts; 5445 upvotes; Kitchener

Dec 12th, 2019 12:26 pm

That's what $1M liability insurance coverage is for.

+1

Dec 12th, 2019 12:30 pm

Tinka844 [OP]: Sr. Member; Jun 1, 2017; 983 posts; 49 upvotes; London, ON

Dec 12th, 2019 12:30 pm

My SO will send this to the Insurance company as soon as he gets home from work (I can't because it's all in his name). I'm just at home freaking out, I have never encountered anything like this and am scared about what kind of financial impact this could have on our family.

Thanks all.

Dec 12th, 2019 12:32 pm

Rob_EV: Deal Fanatic; Sep 10, 2008; 7418 posts; 5445 upvotes; Kitchener

Dec 12th, 2019 12:32 pm

Tinka844 wrote: ↑ My SO will send this to the Insurance company as soon as he gets home from work (I can't because it's all in his name). I'm just at home freaking out, I have never encountered anything like this and am scared about what kind of financial impact this could have on our family.

Thanks all.

Likely no impact.........insurance should take care of it and rates won't change because of being sued.

+1

Dec 12th, 2019 12:40 pm

peteryorkuca: Deal Fanatic; Jul 26, 2007; 5294 posts; 2858 upvotes; Toronto

Dec 12th, 2019 12:40 pm

Tinka844 wrote: ↑ My SO will send this to the Insurance company as soon as he gets home from work (I can't because it's all in his name). I'm just at home freaking out, I have never encountered anything like this and am scared about what kind of financial impact this could have on our family.

Thanks all.

Do a search here or on web. Standard practice to sue right before the deadline.

How much are they sueing you for?

Dec 12th, 2019 12:49 pm

Havo: Deal Fanatic; May 31, 2006; 5768 posts; 358 upvotes; Toronto

Dec 12th, 2019 12:49 pm

As others have mentioned, let your insurance company know and they will take care of it. That's what liability coverage is for.

HEATWARE
Nikes and Jordans (All Star Lebron, Toro, Foams, Black Toe) for sale!

Dec 12th, 2019 12:49 pm

Micelli_Illuminatti: Deal Addict; Aug 17, 2009; 2701 posts; 1367 upvotes

Dec 12th, 2019 12:49 pm

Tinka844 wrote: ↑ My SO will send this to the Insurance company as soon as he gets home from work (I can't because it's all in his name). I'm just at home freaking out, I have never encountered anything like this and am scared about what kind of financial impact this could have on our family.

Thanks all.

OP, don't be scared. This is typical for Ontario. Your insurance company will be involved. Usually, plaintiff lawyers claim $millions, but proving it is a totally different ballgame. If you want peace of mind, you/or your husband should have a talk with your insurance broker or insurance agent, about the process. They should answer all of your questions. The only thing I can say is that this is typical.

Also, don't give any specific details about the accident. You never know who could be lurking here.

M

Corvus oculum corvi non eruit.

+1

Dec 12th, 2019 1:13 pm

Cheapo-Findo: Deal Guru; Mar 9, 2007; 13781 posts; 8825 upvotes; Think of the Childre…

Dec 12th, 2019 1:13 pm

WOULD SOMEBODY THINK OF THE CHILDREN!!!

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