G2 Driver with a not at fault accident

Jul 31st, 2021 3:05 pm

#1

Beamerguy28 [OP]: Member; Apr 22, 2019; 465 posts; 558 upvotes

Jul 31st, 2021 3:05 pm

Hello RFDers,

Today my sister was involved in an accident where someone side swiped her going down the road, there’s photo evidence that the accident is not her fault. She’s a fairly new driver and only has her G2, she got it last summer. Is there any chance her insurance will go up as a result of this?

Thanks!

Jul 31st, 2021 3:17 pm

#2

booblehead: Deal Expert; Jul 30, 2007; 32374 posts; 19765 upvotes; Toronto

Jul 31st, 2021 3:17 pm

It won’t / should not go up as long insurance company deems her not at fault at all. Just provide pictures as you claimed she has and forward to insurance for further proof when asked

Jul 31st, 2021 4:16 pm

#3

chimaican: Deal Expert; Oct 23, 2008; 17720 posts; 15813 upvotes; GTA, ON

Jul 31st, 2021 4:16 pm

And a new driver, so it's the perfect time to teach her the necessity to own a properly functioning quality dash cam.

Tis banana is IRIE 😎

10% off is cold, 50% off is warm, 75% off is hot, but FREE IS RFD!

+4

Jul 31st, 2021 4:37 pm

#4

CanadianConsumerYEG: Deal Addict; Aug 30, 2020; 2659 posts; 5113 upvotes; YEG/YYZ

Jul 31st, 2021 4:37 pm

Won't go up because of accident, but might go up because of "covid"

+1

Jul 31st, 2021 6:54 pm

#5

derass: Deal Addict; Sep 8, 2017; 4650 posts; 4912 upvotes; GTA

Jul 31st, 2021 6:54 pm

Hopefully the photo evidence is convincing. Video evidence (dashcam) would be better. The fault determination rules say that if it can't be determined which vehicle was out of position in a sideswipe, then it's 50/50.

Jul 31st, 2021 7:24 pm

#6

Sprite_TM: Deal Addict; Feb 28, 2006; 4082 posts; 748 upvotes; Toronto

Jul 31st, 2021 7:24 pm

side swipes are tricky situation unless you have a dashcam because its usually a he said she situation where both parties are blaming each other

...

Jul 31st, 2021 8:29 pm

#7

Beamerguy28 [OP]: Member; Apr 22, 2019; 465 posts; 558 upvotes

Jul 31st, 2021 8:29 pm

Yea I’ve told her to get a dashcam and I’ll make sure she will, I’ve had mike for years. The photos show her vehicle in its lane and his entire car half into her lane, I hope the positioning of the vehicles is enough proof due to the lack of dashcam footage.

Jul 31st, 2021 8:31 pm

#8

kr0zet: Deal Fanatic; Jan 16, 2011; 7205 posts; 9218 upvotes; The NORTH

Jul 31st, 2021 8:31 pm

Were the police called?

Jul 31st, 2021 8:36 pm

#9

Beamerguy28 [OP]: Member; Apr 22, 2019; 465 posts; 558 upvotes

Jul 31st, 2021 8:36 pm

kr0zet wrote: ↑ Were the police called?

Wasnt very serious, just light scraping along the front quarter, front door and rear door along with some damage to the mirror. An officer that was driving by stopped and asked if everyone was ok and stated that the other party was at fault.

Jul 31st, 2021 8:39 pm

#10

kr0zet: Deal Fanatic; Jan 16, 2011; 7205 posts; 9218 upvotes; The NORTH

Jul 31st, 2021 8:39 pm

Beamerguy28 wrote: ↑ Wasnt very serious, just light scraping along the front quarter, front door and rear door along with some damage to the mirror. An officer that was driving by stopped and asked if everyone was ok and stated that the other party was at fault.

That's great, you got an officer's statement of the accident! That will carry a lot of weight with the insurance company.

+1

Jul 31st, 2021 8:49 pm

#11

Cnsr0033: Sr. Member; May 29, 2017; 533 posts; 451 upvotes

Jul 31st, 2021 8:49 pm

It wont go "up" but next year/ assessment it will.

Jul 31st, 2021 9:09 pm

#12

striderKan: Member; Jun 11, 2019; 325 posts; 330 upvotes; North York, Toronto

Jul 31st, 2021 9:09 pm

Beamerguy28 wrote: ↑ Wasnt very serious, just light scraping along the front quarter, front door and rear door along with some damage to the mirror. An officer that was driving by stopped and asked if everyone was ok and stated that the other party was at fault.

Just remember that it's not about serious or not, it's about a threshold of cost to repair. It seems like more than $2k worth of damage was caused - police should be called for a collision report.

Jul 31st, 2021 9:14 pm

#13

Beamerguy28 [OP]: Member; Apr 22, 2019; 465 posts; 558 upvotes

Jul 31st, 2021 9:14 pm

striderKan wrote: ↑ Just remember that it's not about serious or not, it's about a threshold of cost to repair. It seems like more than $2k worth of damage was caused - police should be called for a collision report.

She’s already gone to the accident reporting centre, they’ve estimated the damage at $1940

G2 Driver with a not at fault accident

G2 Driver with a not at fault accident

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