got into an accident, what to do?

[maxgohan]

i filed a police report

situation:
i was stooped in traffic and the person behind me stooped aswell however the lady behind him didn't and slammed into him hard and caused him to hit me

the damage on my car is not that bad, just need to get the bumper painted and re aligned, and the trunk realigned and get a reverse light replaced

if i was to contact my insurance company would i have to pay my deductible?

[mrcantrell]

Depends on if you're found at fault or not... that being said since you were rear-ended you are almost always found "not at fault", so personally I would contact my insurance.

[alamshahid]

The third person who came and first caused the accident will be 100% at fault for hitting the person behind you.

However the person behind you will also be 100% at fault for hitting you. This is why when you stop behing someone always give space just in case.

[maxgohan]

i forgot to take down the guy's number however i have all his details
i just got his number from canada411 and gave him a call and left a message, hopefully we can settle this out of insurance because i don't want to have too many claims in my record, a couple of months ago i got rear ended again and had to make a claim and now this happens again

this is my first insurance in my own name, anyone know if i should expect a rate hike next year because i keep getting rear ended?
btw, i only have liability + comprehensive

[iam_immigrant]

Sounds like you got hit pretty hard if you have to get all that stuff "re-aligned". In that situation I would also check to see if the frame is okay.

[Polaren]

i forgot to take down the guy's number however i have all his details
i just got his number from canada411 and gave him a call and left a message, hopefully we can settle this out of insurance because i don't want to have too many claims in my record, a couple of months ago i got rear ended again and had to make a claim and now this happens again

this is my first insurance in my own name, anyone know if i should expect a rate hike next year because i keep getting rear ended?
btw, i only have liability + comprehensive

Not at-fault claims shouldn't afftect your record, I believe I have 4 for me right now and my rates are still good and have never changed except for going up(higher star rating) driving my rates down. People need to learn how to drive lol.

[robattoronto]

You're worrying too much. You're not at fault and your insurance co isn't the one who's paying anyways. Thats why I don't think your insurance will increase. I would claim it.

Have fun selecting a nice rental car of your choice. I got to drive a brand new Ford F-150 truck when my car was damaged and someone else was at fault/

[actng]

The third person who came and first caused the accident will be 100% at fault for hitting the person behind you.

However the person behind you will also be 100% at fault for hitting you. This is why when you stop behing someone always give space just in case.

this is wrong.

the middle car is not at fault, IF it came to a complete stop PRIOR to the collision.

please go read up on your fault determination rules before posting

[maxgohan]

this is wrong.

the middle car is not at fault, IF it came to a complete stop PRIOR to the collision.

please go read up on your fault determination rules before posting

i came to a stop due to traffic ahead of me
several seconds later i was hit from the back...
i believe the person behind me was coming to a stop if not had stopped already but the lady behind him was traveling way too fast to stop in time and hit him, which caused him to hit me, i don't know i'll wait for his call tonight, if nothing i'll call the insurance co tomorrow, or should i call today?

[actng]

i came to a stop due to traffic ahead of me
several seconds later i was hit from the back...
i believe the person behind me was coming to a stop if not had stopped already but the lady behind him was traveling way too fast to stop in time and hit him, which caused him to hit me, i don't know i'll wait for his call tonight, if nothing i'll call the insurance co tomorrow, or should i call today?

for you - as the first car, you are not at fault. i was pointing out the fact that the other dude was spreading false information regarding the middle car.

you should report the accident, imo

[rb]

this is wrong.

the middle car is not at fault, IF it came to a complete stop PRIOR to the collision.

please go read up on your fault determination rules before posting

+ 1

I am from a claims background - thank you

[BladeX]

If you have already called the police, filed a report, and filed a report at the collision center then your all set to go. You can loaft on it for a bit and still be able to claim so maybe you can work something outside if insurance and gain some extra cash but as long as you made that report you can still claim if they decide to not pay you or ignore you and such. And not at fault accidnets will eventually effect you.

Someone said they had 4 not at fault, and insurance didnt go up? Thats a lil surprising, usually its 3 and more and your insurance will go up...why? Because if you are getting into accidents that many times, thhey think there must be something wrong with your driving.

[actng]

Someone said they had 4 not at fault, and insurance didnt go up? Thats a lil surprising, usually its 3 and more and your insurance will go up...why? Because if you are getting into accidents that many times, thhey think there must be something wrong with your driving.

this is old wives tale. i've heard many people present their logical explanations and anecdotes for why multiple not-at-fault accidents would still increase your rates but the truth is that not-at-fault accidents should not affect your premiums.

i wouldn't worry about the scenario discussed in this thread to cause an increase in premiums.

btw, you can't "realign" a trunk and "realign" a bumper... well anything can be done with enough money but most shops will just replace the trunk or leave it to "unaligned" if it's not noticeable.

[maxgohan]

ok i just got off the phone with my broker and he said that if i have 3 similar claims within a year the insurance company may attach a deductible to any future claims wether i am at fault or not...is this true?


i got this policy in May and i have had to make one claim already (got rear ended) and its not even like 5 months and i already have 2 not at fault claims

GOD DAMNIT!!!! learn to drive people

[gherikill]

ok i just got off the phone with my broker and he said that if i have 3 similar claims within a year the insurance company may attach a deductible to any future claims wether i am at fault or not...is this true?


i got this policy in May and i have had to make one claim already (got rear ended) and its not even like 5 months and i already have 2 not at fault claims

GOD DAMNIT!!!! learn to drive people

Where do you do most of your driving?

[maxgohan]

mostly to and from go station?
both of my accidents were within 5km's from home

[gherikill]

mostly to and from go station?
both of my accidents were within 5km's from home

Brampton must have some terrible drivers. I do most of my driving in Scarborough and East York and have yet to be in an accident with 2 years of driving.

[limmer21]

ok i just got off the phone with my broker and he said that if i have 3 similar claims within a year the insurance company may attach a deductible to any future claims wether i am at fault or not...is this true?


i got this policy in May and i have had to make one claim already (got rear ended) and its not even like 5 months and i already have 2 not at fault claims

GOD DAMNIT!!!! learn to drive people

Are you sure about this? This doesn't sound right. What insurance company are you with? I think i'm going to give mine a call to verify, I was recently rear-ended and was found not at fault, no changes were made to my premiums.

[maxgohan]

Are you sure about this? This doesn't sound right. What insurance company are you with? I think i'm going to give mine a call to verify, I was recently rear-ended and was found not at fault, no changes were made to my premiums.

ING

[mau108]

You can become a "high risk" driver in which case your premiums will increase or the company won't provide coverage for you.

Especially if you get rear ended more then 3 times a year lol.

And for the person that got hit and then hit you, its partially his fault. Although the insurance company would go after the person that initially caused the accident, the cop could have given the middle guy a ticket for stopping too close.

He can get that ticket thrown out but thats a whole different story.

[maxgohan]

anyone know if the above is true?

[AzNCrAzYcOoLeR]

anyone know if the above is true?

Again it depends whether the guy was moving or not. Ontario Fault Determination Rules below:

http://www.ibc.ca/en/Car_Insurance/documents/brochure/ON-Fault-Determination-Rules.pdf

[maxgohan]

no i'm curious about becoming a "high risk" driver for getting into too many not at fault accidents

[Narci]

this is old wives tale. i've heard many people present their logical explanations and anecdotes for why multiple not-at-fault accidents would still increase your rates but the truth is that not-at-fault accidents should not affect your premiums.

I'm not sure about affecting your premiums but one of my best friends own a insurance brokerage and he told me once he got a memo from head office not to insure this one guy if he comes in because he had about 10 not at fault accidents in a year.

I got into the same accident but I was in the middle. I was coming home from downtown stopped at spadina going south waiting to make a left turn to get onto the Gardiner. I saw a car come up behind me pretty fast and I was thinking 'oh *****, this guy isn't going to stop." The guy ends up rear ending my car and I get pushed into a pick up truck. $12K worth of damage. I was stopped and not moving and the guy who hit me had to pay for all the damages. Turns out the guy was drunk and was driving a drunk friend home because he was even more drunk then the driver.

[FerrisB]

I'm not sure about affecting your premiums but one of my best friends own a insurance brokerage and he told me once he got a memo from head office not to insure this one guy if he comes in because he had about 10 not at fault accidents in a year.

10 not at faults in a year!? That sounds like a brake slamming scammer, that's why.

[actng]

exactly. 10 not at faults (all rear ending) sounds excessive and deserves special investigation, upon which the premiums may be increased, etc.

but for the OP who's only have 2 or 3 rear endings... it may not be that special. or then again...

[maxgohan]

i'm gonna threaten to kill the next person that rear ends me unless they pay me cash to fix my car

ironing of it is that about 3 minutes earlier i was making a left turn and someone fully blew a red light and slammed on their brakes skidding through the entire length of the intersection with locked brakes all around, if i had moved forward a second sooner i would have gotten smoked!

[Avatar]

Ya. I was rear ended twice three years ago. The second time was exectly a week after the first time. I got my nice rear spoiler put on my car after the first one and the second one got paid off by insurance. I actually gave the same estimate I got from the dealer to the second guy. He didn't want to pay so I'd gone through insurance. Didn't have to pay a dime not even deductible.

But the broker said to me that I will be considered high risk if I got too many claims even though they're not my fault. He didn't mention how many times and I didn't ask.

That's why insurance co and banks always make money.

Fortunately it's over now for me.

[limmer21]

I called State Farm and they said that 3 not at faults would not have an effect on your premiums. However if for some odd reason you had 1 rear ender a month, 12 in a year, they would be suspicious and choose not to insure you anymore.

But they wouldnt increase your premiums. Also when I say "not at fault" it means you are 100% not at fault, if you are found to be 99% not at fault then it's a different story. But majority of rear enders, the person getting hit is 100% not at fault.