Collection Agencies - Insurance write offs of my Van - Canada

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RE: Franniee's Continuing Woes.

Postby Raymond » Wed Nov 26, 2008 09:14:06 AM

That's because when your car was struck while parked, it didn't involve a moving violation on your part. (Unless you left it parked in the middle of a freeway).

Depending on the circumstances which, again, you didn't bother to describe, your vehicle might have been covered under Section 6, Direct Compensation - Property Damage [DCPD], with you 0% at fault; or under Section 5, Uninsured Automobile, if the the other driver was uninsured BUT identified; or under Section 7, Own Damage [collision or all perils coverage], if the the driver who hit you was not found. There would be no deductible applied under Section 7 either because you were 0% at fault.

(Even though the accident was caused by another motorist, under the no fault provisions of the Ontario Insurance Act, your own insurer would have paid.)

Conversely, when your husband lost control of his van there was only one person who could have caused the accident (unless he was forced to swerve to avoid another errant driver) and therefore he was 100% responsible - or "at fault" as they say in the industry. The only possible section of an Ontario auto policy that could apply to this case would be Section 7, Own Damage. 100% of the deductible would be applicable since your husband was 100% at fault. (If he were 50% at fault in collision, only 50% of the deductible would apply).

Of course, if he damaged other people's property when he collided, he would be on the hook for that damage under Section 3 [Liability] to the percentage extent he was found at fault by the claims adjuster. In this case, that didn't occur.

Ray
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RE: Franniee's Continuing Woes.

Postby franniee2003 » Wed Nov 26, 2008 02:53:53 AM

The thing I dont understand is 16 months ago we got hit by someone while the car was parked we put a claim and everything was paid 100% no questions and the reates didnt go up so now all of a sudden we put a claim in on our Van and it is like wait a min
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RE: Franniee's Continuing Woes.

Postby franniee2003 » Tue Nov 25, 2008 07:54:19 PM

So now we wait and see what happens when we submit the repair bills.
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RE: Franniee's Continuing Woes.

Postby Raymond » Tue Nov 25, 2008 05:32:06 PM

Oh boy......so much for domestic bliss! Whatever happened to love, HONOUR and obey? OK, forget "obey," but what about the "love and honour" part?

Dear (Raymond) "Abby" (Jackson)

So you did have collision coverage on the van after all; it was hard to tell from your initial description because you said you got it fixed without before reporting it to your insurer. That's a no, no, but for minor claims adjusters routinely bend the rules. I can guarantee you major claims are a different ballgame.

Most people don't get collision on an 11 year old vehicle because if it gets in an accident where the damage exceeds $1500 or $2000, it gets written off. They judge it's not worth the extra $200 or $300 a year in premiums.

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RE: Franniee's Continuing Woes.

Postby franniee2003 » Tue Nov 25, 2008 04:19:10 PM

That includes tires since my stupid husband never got around to doing it before I made sure it was done whilein getting the work done cause my husband is an idiot
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RE: Franniee's Continuing Woes.

Postby Raymond » Tue Nov 25, 2008 02:41:04 PM

You forgot the price of snow tires. I hear it snows in winter up there.

Ray
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RE: Franniee's Continuing Woes.

Postby franniee2003 » Tue Nov 25, 2008 02:35:14 PM

Okay the Insurance company called and we have to give the company copies of all the repair work that was done on the van If they agree with the cost and the work is okayed then we get our full coverage back if not all we have on the van right now is liabilty Insurance. So now it is up to the under writer to have the final word. We also have to have a safety done so will have to see where we go now I do know the final bill for the repair work was $1,375 including the labour
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RE: Franniee's Continuing Woes.

Postby franniee2003 » Tue Nov 25, 2008 12:37:45 PM

We went though Insurance because it was cheaper and we have had a good rating with our company been with them a very long time. In Kenora you can only go though 3 Insurance company they in turn shop around for us and give us the best rate they can fine. This year we got a good deal with ING. Last year the agent had us with Dominion of Canada. So we went though Insurance also to get our free rental car. When we use Insurance all that is covered 2 weeks of rental plus the repairs would have been more out of the pocket then the $500 deducatable. How ever the garage called the Insurance company and told them the car would pass safety and is driveable so they may be willing to Insurance it for just fire and Thieft and liability I think will know more tomorrow and my Husband is a idiot. The company claims that we are having this count against our one free accident. As for rates we renew in May so will have to see what happens to the rate.
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RE: Franniee's Continuing Woes.

Postby Zacksdad » Tue Nov 25, 2008 08:52:40 AM

Thats what i have been wondering,why bother even telling them if there was no collision on the vehicle and no property damage.Would of been better to just get it fixed and not say a word.
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RE: Franniee's Continuing Woes.

Postby Raymond » Tue Nov 25, 2008 07:52:58 AM

In a place like Kenora, deep in Northwestern Ontario, you might need snow tires or even a 4x4 and sometimes a dog sled.

Your insurance company won't cover anything if you didn't have collision or all perils coverage. If you did have the coverage, the insurance claims handler through its adjuster or appraiser would have to approve the repairs BEFORE they took place.

The free [at fault or partially at fault] accident thing can be a bit of a ruse. The insurance company may raise your rates anyway and include it under general underwiting rate increases.

In any event, when your insurer gets its approved rate increases during the next 6 years, they may end up being significantly higher than its competitors'. They know that you will be stuck staying with them because your at-fault accident forgiveness only applies to your present company. Whatever the case, you probably would have been better off not to report it to your insurer for a case this minor.

Ray
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