Settlers_Unlimited

Does 401 outside of TO/Mississauga count as rural?

Correction: I mean, it sucks all the way down to K-W.

iaink

Urban and Rural are singularly ill defined terms anyway at the best of times.

I live in the "City of Quinte West", and the speed limit on my road is 50kmh, so technically "City" by their standards...

but does this look like city to you?




The study basically defines Rural as a limit in excess of 60kmh in the absence of anything else, so all that stat really tells us is that more accidents occur in areas with slow speed limits (ie where there are more people), but that if you are going fast then you are more likely to be killed in an accident. Well, it aint rocket surgery.

Settlers_Unlimited

No. BTW it made me smile. I remember I saw this photo several months back, clicked on some link in some thread. I've thought how great would be living there. Now I'm in a high-rise.

Novocastrian

I dunno. I only skimmed the link, it's huge. I prefer to contemplate the imminent demise of pick up trucks and rednecks for a short while longer rather than go and read it in more detail.

Is that OK with you?

The Burbs

I used the Cooperators who took my UK history, I pay $1500 for a Ford Freestar. $1500 seems to be a popular price, they quoted me that much on every car I considered.

seaham gal

Shouldn't the cost of fuel be taken into consideration? I know it's no justification for the high insurance premiums - but it does equal outlay out a bit.

DaveLovesDee

Last month, the Ontario Provincial Police reported 70 crashes in less than 5hrs between 6am and 10.45am just in the Barrie area. The number of single-vehicle crashes is rising according to http://www.thebarrieexaminer.com/Art...aspx?e=1354752

More distance between towns.
Larger commute area.
Lack of alternatives for anything other than short distances.

iaink

No, because its such a big country and you end up driving twice as far anyway, plus 2.0l is considered a small engine here, and 30mpg "good economy"



Insurance here is much more based on the driver than the car type and performance, and the actual cost of repair is dwarfed by the liability costs, so its no suprise to me yuo got largely the same quote regardless of vehicle.

TrishP

I only speak for Ontario ... I work in rehab with survivors of auto accidents, so work in the (horrible and unfair) system. It's written into the Auto Insurance Act in this province that accident benefits must be paid out to certain stated maximums following an accident, depending on the extent of injury and proof of. Attendant care benefits, housekeeping and caregiving benefits, income replacement benefits if unable to work, medical and rehabilitation benefits, rehousing, etc. must all be paid out (with a lawyer's assistance, of course!). Various systems in place unfortunately create a huge wasteful drain on resources within this system (known as SABS), for example if the adjuster disagrees with my request for funding for a client or for treatment, then they will approach a different company or individual to carry out an assessment and make a judgement as to what I am requesting is reasonable - these assessments alone can cost up to $5K each and happen on multiple occasions throughout the time a client is on my caseload.

Here in Ontario, when someone has an accident, regardless of whose fault it was, you claim SABS Statutory Accident Benefits) from your OWN insurer. The suing part, known as the tort claim, is suing the OTHER driver's insurance.
The maximum that can be gained from the SABS is set in stone by law, but you have the option when you purchase insurance of increasing these limits by paying a small addition on the premium.

I would recommend that everyone in Ontario voluntarily increases their SABS when they renew insurance - I've increased mine, as I know I couldn't survive on $400 per week income replacement benefit if I was unable to work after an auto accident! I've seen too many of my clients struggle financially, through no fault of their own. I also know how $100K medical/rehab benefit can be eaten up very quickly, so have increased mine to $1M.

I would also recommend that in the event of an accident resulting in injuries, you get yourself a good personal injury lawyer! They are worth every penny of their time - again, I've seen too many people shafted by adjusters when they don't have a lawyer!

iaink

This should be added to the WIKI. Awesome info... and my insurance is up for renewal soon too.

jimbloby7

Just wondered if they have a scoring system for types of cars, like they do in the UK. i.e. Group 1,2,3 etc

Novocastrian

I wonder if this old chestnut is actually true? I know the default annual driving distance (I nearly said mileage there but dbd33 would be on my case in microseconds) for lease cars is 20,000 Km. Anyone know what it is in the UK?

<My annual driving distance is usually about 18,000 km>

Steve_P

I believe it's 10,000 miles or 16,000 km.

Perhaps someone who lives there can confirm or not.

R I C H

10 or 12,000 miles are the usual defaults I remember (depending on manufacturer) in the UK, so slightly less than Canada.

Novocastrian

Hmmmm.