Insurance Company said not to go to Collision Reporting Centre

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Oct 22nd, 2019 5:19 am

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Aug 28th, 2019 4:53 pm

bobor [OP]: Deal Addict; Aug 6, 2004; 1788 posts; 396 upvotes

Aug 28th, 2019 4:53 pm

Insurance Company said not to go to Collision Reporting Centre

Wife was T-boned in a low-speed parking lot accident yesterday in the rear quarter of the car with the other driver claiming that we had hit HER (?)

Went to the nearest Collision Reporting centre but they said there wouldn't be enough time to process us and to come back tomorrow.

In the meantime, we called our insurance company who informed us that they would send an appraiser and speak with the other insurance company and determine who's at fault. They said that going to a Cllcison Reporting Centre would be a waste of time and that it could be sorted out without them.

Does this sound right? Should I go to a reporting centre?

The damage estimate we had from a nearby body-shop said that it would cost ~$1200

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Aug 29th, 2019 10:22 am

sandeep8g: Deal Addict; Apr 19, 2017; 1108 posts; 922 upvotes

Aug 29th, 2019 10:22 am

Yes, you should go.
Why would they care about YOUR time.

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Aug 29th, 2019 10:33 am

CanadianLurker: Deal Fanatic; Sep 9, 2012; 5565 posts; 4757 upvotes; Oakville, ON

Aug 29th, 2019 10:33 am

bobor wrote: ↑ Wife was T-boned in a low-speed parking lot accident yesterday in the rear quarter of the car with the other driver claiming that we had hit HER (?)

Went to the nearest Collision Reporting centre but they said there wouldn't be enough time to process us and to come back tomorrow.

In the meantime, we called our insurance company who informed us that they would send an appraiser and speak with the other insurance company and determine who's at fault. They said that going to a Cllcison Reporting Centre would be a waste of time and that it could be sorted out without them.

Does this sound right? Should I go to a reporting centre?

The damage estimate we had from a nearby body-shop said that it would cost ~$1200

Collision Reporting is not required if total damage between both vehicles is less than $2,000.

If the other vehicle’s damage is similar to yours then you need to report. But if the other vehicle only has a scratch or scuff that’ll be less than $800 to fix, the reporting is not required.

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Aug 29th, 2019 10:34 am

kyfe: Sr. Member; Feb 25, 2004; 569 posts; 251 upvotes

Aug 29th, 2019 10:34 am

it's a parking lot MVA, if you're already disputing fault with the other driver there is really no point to filing with the CRC as you already (assumingly) have their info.

chances are, unless you have dashcam footage or an inpartial witness that you're both going to absorb fault

Aug 29th, 2019 11:47 am

UrbanPoet: Deal Expert; Jan 27, 2004; 48955 posts; 12432 upvotes; T.O. Lotto Captain

Aug 29th, 2019 11:47 am

kyfe wrote: ↑ it's a parking lot MVA, if you're already disputing fault with the other driver there is really no point to filing with the CRC as you already (assumingly) have their info.

chances are, unless you have dashcam footage or an inpartial witness that you're both going to absorb fault

Thats false. Parking lot accidents arent automatically 50:50.

Example... a guy takes a shit load of meth and decides to play demolition derby in a parking lot smashing everyone and rolling over every car. Doesnt make him 50% at fault just because hes in a parking lot!

URBANPOET LOTTO POOL IS BACK! Version 129 largest ever jackpot for $70,000,000! draw on JAN3,2020

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Aug 29th, 2019 11:56 am

Micelli_Illuminatti: Deal Addict; Aug 17, 2009; 2701 posts; 1377 upvotes

Aug 29th, 2019 11:56 am

bobor wrote: ↑ Wife was T-boned in a low-speed parking lot accident yesterday in the rear quarter of the car with the other driver claiming that we had hit HER (?)

...

Does this sound right? Should I go to a reporting centre?

Hey OP, if the other driver is claiming that it is your wife's fault for the MVA, why on G-d's green earth, would you not want to back yourself up with a paper trail? Why not go to the collision centre and have your wife say her side of the story?

This is Ontario. There's high chance the other driver will sue you, claiming personal injuries. That's what people do, nowadays. Go speak with a lawyer about your options. Too many people treat MVAs as lottery wins at the expense of someone else.

Lastly, STOP talking about this case on a public community forum. Not a good idea.

Corvus oculum corvi non eruit.

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Aug 29th, 2019 11:59 am

EP32k2: Deal Expert; Jan 15, 2006; 18422 posts; 17717 upvotes; Richmond Hill

Aug 29th, 2019 11:59 am

UrbanPoet wrote: ↑ Thats false. Parking lot accidents arent automatically 50:50.

Example... a guy takes a shit load of meth and decides to play demolition derby in a parking lot smashing everyone and rolling over every car. Doesnt make him 50% at fault just because hes in a parking lot!

Yup not sure why people always assume parking lot accidents are 50/50. It NEVER is.

+3

Aug 29th, 2019 12:57 pm

kyfe: Sr. Member; Feb 25, 2004; 569 posts; 251 upvotes

Aug 29th, 2019 12:57 pm

UrbanPoet wrote: ↑ Thats false. Parking lot accidents arent automatically 50:50.

Example... a guy takes a shit load of meth and decides to play demolition derby in a parking lot smashing everyone and rolling over every car. Doesnt make him 50% at fault just because hes in a parking lot!

EP32k2 wrote: ↑ Yup not sure why people always assume parking lot accidents are 50/50. It NEVER is.

TO be clear I never said that. both of you said 50/50 not I

I stated (correctly) what the likely outcome will be based on the current situation. Parking lot accidents are not automatically 50/50 which is why I never said that. Based on the posters situation it is clear he is a (s)he said/(s)he said situation. The insuer will view the damage on the vehicle and evaluate the impact to aid in determining how the acicdednt occurred if they cannot clarify it is likley to be rated 50/50

here are the rules that determine fault, it's not arbitrary but who's story do you believe? That's why the likleyhood is higher that this will be split liability (that's what us experts call it)
https://www.ontario.ca/laws/regulation/900668

+1

Aug 29th, 2019 3:25 pm

koffey: Deal Expert; Oct 6, 2010; 15447 posts; 10031 upvotes; Toronto

Aug 29th, 2019 3:25 pm

How is the wife at fault if another car runs into you perpendicularly? That's magic.

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Aug 29th, 2019 5:15 pm

engineered: Deal Expert; Feb 11, 2007; 18969 posts; 21783 upvotes; GTA

Aug 29th, 2019 5:15 pm

koffey wrote: ↑ How is the wife at fault if another car runs into you perpendicularly? That's magic.

Theoretically if he was driving down an aisle and she sped out of their spot then they could be hit in the side and be at fault.

If the women don't find you handsome, they should at least find you handy.

+4

Aug 29th, 2019 5:39 pm

alanbrenton: Deal Expert; Apr 21, 2004; 55820 posts; 20696 upvotes

Aug 29th, 2019 5:39 pm

$1200 is cheap but I would report to collision center because you may not be at fault and it will usually cost more to repair so you can pocket the difference between insurance pay out and your repair cost

Aug 29th, 2019 5:55 pm

hobbes778: Sr. Member; Dec 18, 2008; 977 posts; 90 upvotes

Aug 29th, 2019 5:55 pm

I was side-swiped by a van once a while back and we were told to report to CRC. I heard the other driver complaining that they were from out of town and wouldn't be able to. Of course it turns into a he said she said situation with the insurance companies and I'm assigned 50% fault (incorrectly). I asked my insurance adjuster to check what the police report said and the other guy didn't report it. I said obviously he was willing to lie to his insurance company but the not the police and they adjusted my claim to no fault.

+6

Aug 30th, 2019 7:51 am

kyfe: Sr. Member; Feb 25, 2004; 569 posts; 251 upvotes

Aug 30th, 2019 7:51 am

That's great to hear, you can always dispute the determination if you disagree with the result.

Aug 30th, 2019 7:53 am

kyfe: Sr. Member; Feb 25, 2004; 569 posts; 251 upvotes

Aug 30th, 2019 7:53 am

koffey wrote: ↑ How is the wife at fault if another car runs into you perpendicularly? That's magic.

yes Magic, if ever you cannot figure something out because you lack expertise then generally it's magic.

PS I'm also a witch

Aug 30th, 2019 10:14 pm

koffey: Deal Expert; Oct 6, 2010; 15447 posts; 10031 upvotes; Toronto

Aug 30th, 2019 10:14 pm

kyfe wrote: ↑ yes Magic, if ever you cannot figure something out because you lack expertise then generally it's magic.

PS I'm also a witch

Never been in an a parking lot accident, so yes magic lol

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Aug 31st, 2019 1:00 pm

MastaOogway: Deal Addict; Nov 24, 2016; 1647 posts; 1718 upvotes

Aug 31st, 2019 1:00 pm

hobbes778 wrote: ↑ I was side-swiped by a van once a while back and we were told to report to CRC. I heard the other driver complaining that they were from out of town and wouldn't be able to. Of course it turns into a he said she said situation with the insurance companies and I'm assigned 50% fault (incorrectly). I asked my insurance adjuster to check what the police report said and the other guy didn't report it. I said obviously he was willing to lie to his insurance company but the not the police and they adjusted my claim to no fault.

Yup I see no reason not to report unless you have something to hide. What bad advice from the insurance company. If things go 50/50 op has no options to dispute.

Aug 31st, 2019 9:54 pm

ES_Revenge: Deal Expert; Mar 23, 2004; 32359 posts; 14001 upvotes

Aug 31st, 2019 9:54 pm

The collision reporting centre is a waste of time, yes. It's also only really a "thing" in bigger cities, like in Toronto/around the GTA. Elsewhere, there's no such thing. However some kind of police report may be required for fault determination so yeah if you feel you weren't at fault, go to the reporting centre.

Oct 22nd, 2019 5:19 am

MitchellWhale: Newbie; Aug 30, 2019; 3 posts; 2 upvotes; Whitby, Ontario

Oct 22nd, 2019 5:19 am

Just keep in mind that in Ontario, if the combined damage for both vehicles is more than $2,000, you are required to file a police accident report. The easiest way to do that may be at a collision reporting centre. Don’t forget to get contact information for any witnesses at the scene that can confirm what happened. This may save you from having an at-fault claim on your insurance record.

Ontario Insurance brokerage.

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