Anyone got recommendation for personal auto insurance brokers?
Apr 30th, 2020 3:10 pm
Apr 30th, 2020 3:42 pm
May 5th, 2020 4:36 pm
May 5th, 2020 5:37 pm
Tickets have little to no bearing on fault determination for insurance purposes.
May 5th, 2020 6:15 pm
May 6th, 2020 9:55 am
May 6th, 2020 1:51 pm
BMWX5M wrote: ↑ I have some questions about an accident my son was in yesterday.
1) I'm presuming my son would be considered at fault, since the object was on the road. He is listed as an occasional driver on my policy, and has only been driving for a year, but I have accident forgiveness and have never had an at-fault claim, so would this affect our rates?
2) If it would increase our rates, would it only increase his rate as an occasional driver? He is planning to study in Australia next year, so I will not be renewing him on my October renewal, so would my rates still go up?
3) Finally if I were to remove him from my policy when he goes abroad, and he returns for say a week, would he be able to drive my car without being on my policy?
May 6th, 2020 2:25 pm
May 6th, 2020 4:20 pm
May 8th, 2020 6:49 pm
May 9th, 2020 10:04 am
bwang85 wrote: ↑ Hi,
I currently have two auto policies with Johnson since 2014. The first car is driven by my parents and is at a different address. The second car is driven by me and spouse and this car has two at-fault incidents in 2018 and 2019. Despite purchasing enhanced accident forgiveness, Johnson has provided non-renewal notice citing their policy does not underwrite any policy with 2 at-fault within the last 5 years. I spoke to them a few times and they would not change their stance. Should I complaint to their ombudsman about it.
@COSMIC5 - can you PM me for a quote on the second car?
May 9th, 2020 9:33 pm
May 11th, 2020 2:10 am
May 11th, 2020 6:33 pm
Fault is determined by fault determination rules laid out in the Insurance Act. Whether you get a ticket as a result of the accident has little to no bearing on the fault determination. What CAA told you is not necessarily true and was likely an attempt by the agent to empathize with your situation.Nikitty wrote: ↑ I am currently shopping for a new insurance company for home/auto and while looking for quotes, I found out I have an at-fault accident on my record from 2016.
A quick backstory: An insurance scammer ran a red light at high speed and hit my car when I was turning left in a snowstorm. He was a cab driver and knew the rules of the road very well. He berated me for 2 hours, yelling at me to pay him because he knew the rules of the road and said I would be charged because I turned left.
Because there were so many accidents that day, the police never arrived so I had to go to the collision center. The cab driver at this point pretended not to speak English and got a young guy to fill out his paperwork. The cop at the collision center charged me, saying, "it's not fair but it's the law." The cab driver left with the biggest smile on his face, like he had just won the lottery. A couple weeks later I got a letter from his lawyer stating they were suing me for personal injuries his client had sustained.
Fast forward almost two years - the judge threw out the ticket. Still, TD still deemed me at fault and would not reverse their decision which was really frustrating.
When I spoke to CAA about the higher rate I was quoted as a result of the at-fault accident, they said they would have given me my accident forgiveness back if my ticket had been thrown out. I really have no way of knowing if this is actually true since I'm not in that situation and I am assuming they will say anything to get your business.
Does anyone have any experience with companies that have reversed an at fault accident in your favour and given back your accident forgiveness?
I am also wondering if there is anything I can do to get my at-fault ruling changed. I was told to get a letter of experience but TD refused to do that at the time of the accident. Not sure how I would get that 4 years later without paying a lot of money to a lawyer.
May 13th, 2020 9:40 pm