Insurance forcing me to file at fault claim?

Nonchalant_ wrote: ↑ Hey everyone, just wanted to seek some advice/info from those more informed than me.

A few months ago, I rear ended someone, causing a small dent in the car ahead of me. I went to the collision centre the next day and filed a police report. We ended up settling out of pocket and I paid $150 to the guy I hit for the repair.

Today, my insurance calls telling me that I have to file an at fault claim. They confirmed that no one filed a claim against me, but because I signed off on the collision report saying it was ok for the police to send the report to my insurance, I need to file an at fault claim. But my understanding is, since I paid out of pocket, why do I have to file anything at all? Now they're going to bump up my policy for no reason? I don't understand.

Any advice?

Thanks.

Nonchalant_ wrote: ↑ Hey everyone, just wanted to seek some advice/info from those more informed than me.

A few months ago, I rear ended someone, causing a small dent in the car ahead of me. I went to the collision centre the next day and filed a police report. We ended up settling out of pocket and I paid $150 to the guy I hit for the repair.

Today, my insurance calls telling me that I have to file an at fault claim. They confirmed that no one filed a claim against me, but because I signed off on the collision report saying it was ok for the police to send the report to my insurance, I need to file an at fault claim. But my understanding is, since I paid out of pocket, why do I have to file anything at all? Now they're going to bump up my policy for no reason? I don't understand.

Any advice?

Thanks.

Nonchalant_ wrote: ↑ So, question. What if I basically tell the insurance company F U, and that I don't want to file a claim. What is the worst that can happen? They cancel my policy? Wouldn't I just be able to bring my business somewhere else?

Just trying to see what options I have. Forcing me to file a claim makes absolutely no sense to me, but then again I haven't been in too many accidents so I don't know it all.

Nonchalant_ wrote: ↑ So, question. What if I basically tell the insurance company F U, and that I don't want to file a claim. What is the worst that can happen? They cancel my policy? Wouldn't I just be able to bring my business somewhere else?

Just trying to see what options I have. Forcing me to file a claim makes absolutely no sense to me, but then again I haven't been in too many accidents so I don't know it all.

peelhic wrote: ↑ you will need to file an at fault but if you paid for the damages for both your vehicle and the other party than as of june 1, the claim can not be used for rating. So while this will show up on your record it will not have an impact since no insurer had paid out any monies.

Nonchalant_ wrote: ↑ So, question. What if I basically tell the insurance company F U, and that I don't want to file a claim. What is the worst that can happen? They cancel my policy? Wouldn't I just be able to bring my business somewhere else?

romsan04 wrote: ↑ Wrong. You had at fault accident. Thats all insurance cares about. Now if you paid for it or not it does not matter.

zoro69 wrote: ↑Ontario did change the rules so that minor amounts paid out of pocket cannot be used against you. If that is it on your record

"After June 1st, insurers are no longer allowed to use a minor at-fault accident against you to increase your premiums. The definition of minor in this case means that there were no injuries, no insurer paid out as a result, and damage was less than $2,000 per car paid out-of-pocket by the at-fault driver. This provision is limited to one minor accident every three years."http://www.autotrader.ca/newsfeatures/2 ... n-ontario/

peelhic wrote: ↑you will need to file an at fault but if you paid for the damages for both your vehicle and the other party than as of june 1, the claim can not be used for rating. So while this will show up on your record it will not have an impact since no insurer had paid out any monies.

peelhic wrote: ↑ Actually your wrong, as of June 1 2016 in Ontario at fault claims that have no payout by either insurer, ie you covered the damages, can not be used for rating. Feel free to contact FSCO if you don't believe me

romsan04 wrote: ↑ Wrong. You had at fault accident. Thats all insurance cares about. Now if you paid for it or not it does not matter.

romsan04 wrote: ↑ Wrong. You had at fault accident. Thats all insurance cares about. Now if you paid for it or not it does not matter.

peelhic wrote: ↑ Actually your wrong, as of June 1 2016 in Ontario at fault claims that have no payout by either insurer, ie you covered the damages, can not be used for rating. Feel free to contact FSCO if you don't believe me

TrevorK wrote: ↑ The question at hand is do you have to disclose accidents you are involved in to the insurance company even if they do not make a claim? I would assume yes.

COSMIC5 wrote: ↑ yes, because its now on record