urgent reply needed! had a ding in the truck!
Oct 24th 2007 | 2:43 am
#16
Thread Starter
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Joined: Oct 2005
Posts: 1,464
From: Shawnigan Lake, Vancouver Island, BC
Re: urgent reply needed! had a ding in the truck!
[QUOTE=wbexpat;5461931]I am not a lawyer.
First - re bumper sticking out, its not abnormal in a modern vehicle where lots of things are held on with plastic clips under tension. Once knocked out of true they can work looser on normal driving over potholes etc.
QUOTE]
I didnt really explain the bumper thing properly as i was just in to much of a hurry for some advice
Along one of the scuff marks below the light on the bumper there is now a piece of bumper sticking up - i can only describe it like one of those old fashioned cans you used to open up with a 'key' when it used to peel back the lid. emmmmmmm not sure thats any clearer...........
but anyway what ever it looks like im SO sure it was not there previously! but i live and learn and should have used my camera phone! gutted
First - re bumper sticking out, its not abnormal in a modern vehicle where lots of things are held on with plastic clips under tension. Once knocked out of true they can work looser on normal driving over potholes etc.
QUOTE]
I didnt really explain the bumper thing properly as i was just in to much of a hurry for some advice
Along one of the scuff marks below the light on the bumper there is now a piece of bumper sticking up - i can only describe it like one of those old fashioned cans you used to open up with a 'key' when it used to peel back the lid. emmmmmmm not sure thats any clearer...........
but anyway what ever it looks like im SO sure it was not there previously! but i live and learn and should have used my camera phone! gutted
Oct 24th 2007 | 2:37 pm
#17
Banned
Joined: Aug 2007
Posts: 1,810
From: New Caledonia
Re: urgent reply needed! had a ding in the truck!
[QUOTE=jempee;5462517]
You could also pay the bill at the repair shop directly once the work is completed, instead of handing cash over to the other driver.
This may or may not be straightforward, I would talk to an Autoplan agent or better still ICBC, without filing a claim until decided on acourse of action. I had an incident with ICBC involved and the assessor told me that if they handled the claim and paid for the damage, I then subsequently fully reimbursed ICBC it would not go against me. Their assessors are trained to spot genuine damage and a try on, as well as assess how much the work should cost. Is the amount the other driver claims reasonable?
I would get some advice before committing myself.
I am not a lawyer.
First - re bumper sticking out, its not abnormal in a modern vehicle where lots of things are held on with plastic clips under tension. Once knocked out of true they can work looser on normal driving over potholes etc.
QUOTE]
I didnt really explain the bumper thing properly as i was just in to much of a hurry for some advice
Along one of the scuff marks below the light on the bumper there is now a piece of bumper sticking up - i can only describe it like one of those old fashioned cans you used to open up with a 'key' when it used to peel back the lid. emmmmmmm not sure thats any clearer...........
but anyway what ever it looks like im SO sure it was not there previously! but i live and learn and should have used my camera phone! gutted
First - re bumper sticking out, its not abnormal in a modern vehicle where lots of things are held on with plastic clips under tension. Once knocked out of true they can work looser on normal driving over potholes etc.
QUOTE]
I didnt really explain the bumper thing properly as i was just in to much of a hurry for some advice
Along one of the scuff marks below the light on the bumper there is now a piece of bumper sticking up - i can only describe it like one of those old fashioned cans you used to open up with a 'key' when it used to peel back the lid. emmmmmmm not sure thats any clearer...........
but anyway what ever it looks like im SO sure it was not there previously! but i live and learn and should have used my camera phone! gutted
This may or may not be straightforward, I would talk to an Autoplan agent or better still ICBC, without filing a claim until decided on acourse of action. I had an incident with ICBC involved and the assessor told me that if they handled the claim and paid for the damage, I then subsequently fully reimbursed ICBC it would not go against me. Their assessors are trained to spot genuine damage and a try on, as well as assess how much the work should cost. Is the amount the other driver claims reasonable?
I would get some advice before committing myself.
Oct 25th 2007 | 5:54 am
#18
Forum Regular
Joined: Jun 2001
Posts: 113
From: Toronto
Re: urgent reply needed! had a ding in the truck!
Why isn't he claiming through his insurance? I had a prang a few months ago - the woman in the huge SUV behind me was yelling at her kids while trying to drink her coffee and didn't notice that the lights had changed - she went into the back of my in my little Kia Rio5. I was shaken (first car accident), we looked, because it was March neither of us could see any damage to her car and what looked like just scuffs on mine (both cars were filthy). She wanted to drive off, I demanded her information. I tried to give her mine, she didn't want it. As soon as she scribbled her info, she jumped in her car and drove off. I continued to work, when I got there I had a proper look, and the clips holding the bumper on on one side had snapped, so it was worse than originally thought. I also started getting a lot of pain in my neck and shoulder.
Went to a collision reporting centre, reported it, the insurance info they woman wrote down was illegible, but since she wrote it on her business card and I jotted down her license plate we were ok. I contacted MY insurance company (State Farm), they arranged for an estimate ($500), and the car was repaired the following week. My premiums did not go up, and State Farm then paid for my physio for the next 8 months due to severe whiplash that actually lost me the use of my right arm for a couple of days - that was fun.
Since I was hit from behind it was confirmed the other woman was 100% at fault. I've always been curious about what happened to HER insurance though, since she hit me, refused to call the police, did not report it to ANYONE, and tried to pass off illegible info...
Went to a collision reporting centre, reported it, the insurance info they woman wrote down was illegible, but since she wrote it on her business card and I jotted down her license plate we were ok. I contacted MY insurance company (State Farm), they arranged for an estimate ($500), and the car was repaired the following week. My premiums did not go up, and State Farm then paid for my physio for the next 8 months due to severe whiplash that actually lost me the use of my right arm for a couple of days - that was fun.
Since I was hit from behind it was confirmed the other woman was 100% at fault. I've always been curious about what happened to HER insurance though, since she hit me, refused to call the police, did not report it to ANYONE, and tried to pass off illegible info...
Anyays - the point of this is to share the information I gained at the time (maybe should have known, but didnt). In Ontario you have to claim off your own insurance, regardless of what/how/who caused it.
So, the $9,500 repair bill for my car was paid by own insurance company. Apparently they dont then claim off the other driver's insurance!
Obviously this concerned me as my premiums (living in Toronto) are disgusting and i was terrified they would increase. But, I had a letter from my insurance providers advising that my portion of blame was 0%, and my premiums would not be effected.
Oh, and another thing - the police only have to be called if anyone is hurt and/or the damage to vehicles looks like it may exceed $1000. You do however have to report any accident with a set time (cant remember the time limit). Luckily (and I have no idea how), but the police, ambulance (for him, not me!) and about 5 tow trucks appeared within 2 minutes of my accident and he was charged with reckless driving as they carried him away on the stretcher!
There is no such thing as "no claims bonus" here (well in Ontario, anyways). Premiums may (or may not!) reduce each year if you havent claimed, but its not a structered no claims system. Some companies do what they call a "disappearing deductible" where if you haven't claimed, the amount you are liable for under the duductible clause in your policy reduces each (claims-free) year.
