Rear-end collision while stopped at a red light

[tapanpatel88]

Less than an hour ago, my gf was rear ended at a red light. She was stopped at a red light when all of a sudden this a**hole rear ended her new 2009 Accent. I haven't witnessed this accident in person but I am describing it as I was told over the phone. Since it was her first accident, she was was very nervous and was in a state of panic when this happened. The damage is DEFINITELY over $1000; however, the police wasn't called at sight. I don't know why she didn't call the cops but out of nervousness and something happening for the first time, I am sure it slipped her mind.

She has taken all the information (VIN, policy number, phone number, license plates, etc) of the driver that hit her and we will be calling the insurance company in a matter of hours. The driver that hit her offered to settle this issue privately; however, gf chose to go through insurance (which I would have done as well) by exchanging information.

My question is, what should we do now from our side? Should we be going to a collision reporting centre right away or should we be calling our insurance company first?

I am thankful to god that she wasn't injured at all. There is no way that a** is running away from this. The reason why I ask is because I have never been in an accident thus I don't know how the procedure works. I would really appreciate getting help from some fellow RFDers. Thank you in advance.

[rems]

http://www.fsco.gov.on.ca/english/pubs/consumerbrochures/brochures-1.pdf

[petaling108]

report to Accident reporting Centre at once.
you can still settle outside of insurance claim,in fact i was in a similar situation and the driver changed his tune after he reassured me he will take care of everything.He even had the gall to say that I backed up at the lights and hit him!Luckily, I reported to the accident centre and forced him to report there too under the law.
my insurance adjuster later arranged to force the perp to cough up the out-of-claim settlement (cheque) or goes thru our respective insurance cos.
After a lot of swearing at me and at my insurance adjuster and leaving obscene calls on my answering machine,he finally paid (to my adjuster and my adjuster sforwarded the cheque )to me to avoid going thru insurance.

[longitude]

Does she feel pain in her neck?

Here goes another 50k the insurance companies will lose.

[mkerian]

Does she feel pain in her neck?

Here goes another 50k the insurance companies will lose.

Blame the driver who rear ended her, not the victim.

[azncapcom]

the government pdf says "do not take any liability on scene and do not sign anything" if you dont do this, and both of you go report it to the collision centre, how do they find out whose at fault? especially if its a head to head? (theres no other witnesses)

also what if one party was 60% at fault and the other 40% at fault? will the premium go up for the driver that is 40% at fault?

[mkerian]

the government pdf says "do not take any liability on scene and do not sign anything" if you dont do this, and both of you go report it to the collision centre, how do they find out whose at fault? especially if its a head to head? (theres no other witnesses)

also what if one party was 60% at fault and the other 40% at fault? will the premium go up for the driver that is 40% at fault?

It's either 100% or 50/50.

[e1e0n]

Does she feel pain in her neck?

Here goes another 50k the insurance companies will lose.

So what? This claim from inscummer companies about lost in profit is scam. Oh! And they really didin't lose, they just got less then they used too. That's how they calculate their losses: profit last year minus profit this year is their loss!
Let see... Average we pay let say 3000/year for auto insurance. so, 16 people will make that 50K money for them in a year. How many people are getting in the accident a year (per 1000 drivers)? How many of them are claiming 50K? And the sad thing is: people getting frustrated with insurance cost, and than they are in accident, so they claim back on the insurance (they will get insurance premium increase anyway).

[jetway1212]

I am thankful to god that she wasn't injured at all. There is no way that a** is running away from this. The reason why I ask is because I have never been in an accident thus I don't know how the procedure works. I would really appreciate getting help from some fellow RFDers. Thank you in advance.

You're the ******* so far for calling names over a minor fender bender.

Seriously, go back to whatever nest you're crawling from.

[ssainani]

it seems every single thread you start is about your family getting into an accident -

maybe you all should consider the ttc

[ThePointblank]

it seems every single thread you start is about your family getting into an accident -

maybe you all should consider the ttc

Must be genetic...

Or we can get them all onto Canada's Worst Driver...

[Redro]

Don't listen to these guys, if the evidence is clear that you were hit in the back of the car, your insurance won't go up. I have been in a similar experience with a new car and the damage on my car looked minor and the guy wanted to pay me $300 and get it fixed at his friends shop with paint. He swore at me a lot to so I said f it, I am going through insurance enjoy your premium increase and I got my car fixed properly at the dealership and his insurance paid $1800 in damages.

If I got it fixed at his place, I sure as heck wouldn't have know there was damage to the shocks and other parts under the bumper. Also if you feel bad for screwing someone with there insurance premium for the next couple of years don't be, your new car is now worth about $2000 less for being in a accident, at least that is what I was quoted from an appraiser.

[rems]

So what? This claim from inscummer companies about lost in profit is scam. Oh! And they really didin't lose, they just got less then they used too. That's how they calculate their losses: profit last year minus profit this year is their loss!
Let see... Average we pay let say 3000/year for auto insurance. so, 16 people will make that 50K money for them in a year. How many people are getting in the accident a year (per 1000 drivers)? How many of them are claiming 50K? And the sad thing is: people getting frustrated with insurance cost, and than they are in accident, so they claim back on the insurance (they will get insurance premium increase anyway).

read the Star article about Accident benefit claims in the GTA vs the rest of Ontario. And the Finance minister made his decision regarding Bill 198 today. Read up on that too. Educate yourself instead of just sprouting out things that you THINK are true. Inform yourself...like knowing that your rates cannot be increased for making a claim that is NOT your fault.

[npinc]

It's a no brainer actually. The Insurance Rules state that any two vehicle collision where vehicle A is hit in the rear by vehicle B, vehicle B is 100% at fault. This fault will be assessed regardless of any charges laid or not laid by the lazy bum at the reporting centre. The insurance company can not assess otherwise.

I had a guy rear end me once when I was driving a rental car. The insurance company tried dinging me for a deductible. The guy lied to the insurance company AND the police about the accident. My lawyer reminded the insurance company of the insurance rules. They "went away" after that. In other words, they backed off, knowing that they weren't going to get away with it, but they WERE going to be sued if they persisted or in any way attempted to damage my insurance history.

Do NOT allow the at-fault driver to attempt ANY settlement outside of insurance. Chances are almost 100% guaranteed that they will try and bail after the fact.

ALWAYS put it through the insurance and let them fight it out. Trust me, you don't want to go through the nightmare of trying to sue the other driver. Sign absolutely nothing that would even hint at such an agreement, any fault assessment or anything else. State the facts to the reporting centre, sign the declaration, take a copy of it and call your adjuster ASAP.

[whampoa]

Whooh!!! Windfall, windfall, windfall.

That's what you are going to do, your gf have sudden eyes problem....yes she does.

Neck pain, check

Back problem, check

Unrepairable bumper, check

Chip pains all over the vehicle, check

Damage Nintendo DS, check

Now go collect that cheque.

[ottofly]

Inform yourself...like knowing that your rates cannot be increased for making a claim that is NOT your fault.

Although true, one or 2 more of these not at fault claims in a short period and your rates will increase. No driver is entitled to an unlimited amount of not at fault claims.

[rems]

Although true, one or 2 more of these not at fault claims in a short period and your rates will increase. No driver is entitled to an unlimited amount of not at fault claims.

in Ontario, it's not allowed
http://www.fsco.gov.on.ca/english/insurance/auto/undautoins.asp#whatInsCompCantUse

[tapanpatel88]

it seems every single thread you start is about your family getting into an accident -

maybe you all should consider the ttc

it seems to me that every single thread I post, you always have a smart a** comment to write. I appreciate some of your helpful posts in few of my threads but posting something like this^ is kind of insulting don't you think? Seriously, if you don't have any helpful comments, don't hit the post reply button. Simple. After having a stressful day dealing with my gf's accident, the last thing I want to do is read a pathetic comment that's just going to worsen my mood. And apparently, you manage to do it very well.

Must be genetic...

Or we can get them all onto Canada's Worst Driver...

How's getting rear ended the victim's fault? How does that make the victim a bad driver? I really hate it when people post nuisance that doesn't seem to be helpful in any manner.

[tapanpatel88]

You're the ******* so far for calling names over a minor fender bender.

Seriously, go back to whatever nest you're crawling from.

No, I am not calling him names out of pleasure; however, out of the guy's attitude. He begged to not go through insurance as his estimate of $200 (just an uneducated guess from him obviously) was enough to cover the damages. We got it checked through a body shop today and we were told its not advisable to get it repaired. The total cost of a new and replaced bumper would be about $1000 inclusive of taxes. We called the guy and he is not willing to pay that much. Then we stated to him calmly that we will be going through insurance and we have a collision police report stating all the details of the accident. Obviously, the guy is pissed at this point and starts yelling over the phone. Calling the insurance company tomorrow and dealing with it.

[sears_sucks]

No, I am not calling him names out of pleasure; however, out of the guy's attitude. He begged to not go through insurance as his estimate of $200 (just an uneducated guess from him obviously) was enough to cover the damages. We got it checked through a body shop today and we were told its not advisable to get it repaired. The total cost of a new and replaced bumper would be about $1000 inclusive of taxes. We called the guy and he is not willing to pay that much. Then we stated to him calmly that we will be going through insurance and we have a collision police report stating all the details of the accident. Obviously, the guy is pissed at this point and starts yelling over the phone. Calling the insurance company tomorrow and dealing with it.

What the heck is his problem?? Stop dealing with him because he sounds like an idiot. He is clearly at fault, $1000 would be well worth it on his part. Just go through your insurance company, it will be deemed no fault on your end.

[tapanpatel88]

What the heck is his problem?? Stop dealing with him because he sounds like an idiot. He is clearly at fault, $1000 would be well worth it on his part. Just go through your insurance company, it will be deemed no fault on your end.

Thanks:) My gf called her insurance company and now we have to wait for 1-2 days for an insurance appraiser to get in touch with us. At the sight of the accident, my gf noticed a few scratches on his bumper with no visible signs of dents and or other damages. He wanted to settle it privately, which we were okay with; however, he changed his mind when he heard the actual cost of the damage quoted by the body shop. Its funny because he sounded so sure over the phone that this incident will be sided in his favour. Meh, lets just wait and watch.

And on top of that, he tries to convince us that $1000 for a new Hyundai bumper is impossible as his Mazda according to him is "superior" to our Hyundai and even a bumper for him costs $200 brand new. I gotta be honest here, this is the funniest thing I have ever heard. I just laughed it off and called our insurance company.

[rogeryen]

You're ok since it's just a rear-end. Last year I got BACKED-INTO by a lady and she later claims that I rear-ended her, everywhere I went they said that I was SOL but after a bunch of photo analysis and a whole report to the insurance company I was 0% at fault, thank God.

[help_questions]

report to Accident reporting Centre at once.
you can still settle outside of insurance claim,in fact i was in a similar situation and the driver changed his tune after he reassured me he will take care of everything.He even had the gall to say that I backed up at the lights and hit him!Luckily, I reported to the accident centre and forced him to report there too under the law.
my insurance adjuster later arranged to force the perp to cough up the out-of-claim settlement (cheque) or goes thru our respective insurance cos.
After a lot of swearing at me and at my insurance adjuster and leaving obscene calls on my answering machine,he finally paid (to my adjuster and my adjuster sforwarded the cheque )to me to avoid going thru insurance.

the government pdf says "do not take any liability on scene and do not sign anything" if you dont do this, and both of you go report it to the collision centre, how do they find out whose at fault? especially if its a head to head? (theres no other witnesses)

also what if one party was 60% at fault and the other 40% at fault? will the premium go up for the driver that is 40% at fault?


two reasons right here that are part of the reason why I immediately dail 911 to get the cops on the scene. I tell them I will not move my car and continue blocking traffic until an officer comes to assess the scene. I also do not settle privately if they are at fault, as I don't have the time to deal with someone else's financial problems or changing their tune. Going through insurance is there to make the process easy for me.

[TrevorK]

two reasons right here that are part of the reason why I immediately dail 911 to get the cops on the scene. I tell them I will not move my car and continue blocking traffic until an officer comes to assess the scene. I also do not settle privately if they are at fault, as I don't have the time to deal with someone else's financial problems or changing their tune. Going through insurance is there to make the process easy for me.

911 is not meant to deal with non-emergency issues, and if you are not injured in the car accident and have no reason to suspect that the person that hit you is a wanted fugitive, you have no business tying up the emergency lines. You are abusing the system.

Further, if you do not move your car the police are within their rights to give you a ticket for obstructing traffic. I highly doubt a judge will be sensitive to your case when you explain how you were rear-ended, your vehicle was completely drivable, but you were adamant on not moving it until a police officer arrived.

If you are in an accident you should immediately take pictures of the scene with your cell phone, which is a very quick process, then move your car as far out of the way of traffic as you can if it is safe to do so.

[ssainani]

two reasons right here that are part of the reason why I immediately dail 911 to get the cops on the scene. I tell them I will not move my car and continue blocking traffic until an officer comes to assess the scene.

ideally they'd come and taser you for wasting resources

[Wiseman]

Although true, one or 2 more of these not at fault claims in a short period and your rates will increase. No driver is entitled to an unlimited amount of not at fault claims.


We've had 4 not at fault accidents.. insurance didn't go up. I couldn't avoid any of the accidents. Two rear ends and two ran right into me from stop signs. Idiot drivers, seriously.

[TripleHelix]

two reasons right here that are part of the reason why I immediately dail 911 to get the cops on the scene. I tell them I will not move my car and continue blocking traffic until an officer comes to assess the scene. I also do not settle privately if they are at fault, as I don't have the time to deal with someone else's financial problems or changing their tune. Going through insurance is there to make the process easy for me.

LOL at you dialing 911 for the police to come to an accident with no injuries...

[Mayoo]

hmm ... so ur gf is now "Accident - Not at fault" category for insurance companies ( if she plans to settle with insurance claim) .. i don't know if that will affect her rates but i had the same issue and my premium went up by $5/month ( back in 2006 ). After that when i apply for other insurance quote, every time i am forced to fill the following boxes

X.Have u had any accident in the past 10years - YES

If 'yes' for above question then answer question Y

Y. Describe the accident - "Accident - Not at Fault"

Now i don't know by filling those two, my quotes get affected ..

[KorruptioN]

two reasons right here that are part of the reason why I immediately dail 911 to get the cops on the scene. I tell them I will not move my car and continue blocking traffic until an officer comes to assess the scene.

I swear, every time you post, we all shake our heads in disgust. There's a non-emergency line for a reason.

[rems]

hmm ... so ur gf is now "Accident - Not at fault" category for insurance companies ( if she plans to settle with insurance claim) .. i don't know if that will affect her rates but i had the same issue and my premium went up by $5/month ( back in 2006 ). After that when i apply for other insurance quote, every time i am forced to fill the following boxes

X.Have u had any accident in the past 10years - YES

If 'yes' for above question then answer question Y

Y. Describe the accident - "Accident - Not at Fault"

Now i don't know by filling those two, my quotes get affected ..

try it by saying No and compare the prices. And don`t assume your rates went up due to the accident...lots of factors can go into why your rates change from one period to another...

[TripleHelix]

hmm ... so ur gf is now "Accident - Not at fault" category for insurance companies ( if she plans to settle with insurance claim) .. i don't know if that will affect her rates but i had the same issue and my premium went up by $5/month ( back in 2006 ). After that when i apply for other insurance quote, every time i am forced to fill the following boxes

X.Have u had any accident in the past 10years - YES

If 'yes' for above question then answer question Y

Y. Describe the accident - "Accident - Not at Fault"

Now i don't know by filling those two, my quotes get affected ..

That's funny because my Belair application specified "Have you an an At Fault accident"...

[googoo]

What the heck is his problem?? Stop dealing with him because he sounds like an idiot. He is clearly at fault, $1000 would be well worth it on his part.

Agreed, the guy thought that maybe a little intimidation would help him, but didn't think for 1 minute that the $1000 is much less than his insurance will go up for 1 year.

SIlly man! Let's hope he's learned to pay more attention to his driving, but somehow I doubt it!

Brent

[tapanpatel88]

hmm ... so ur gf is now "Accident - Not at fault" category for insurance companies ( if she plans to settle with insurance claim) .. i don't know if that will affect her rates but i had the same issue and my premium went up by $5/month ( back in 2006 ). After that when i apply for other insurance quote, every time i am forced to fill the following boxes

X.Have u had any accident in the past 10years - YES

If 'yes' for above question then answer question Y

Y. Describe the accident - "Accident - Not at Fault"

Now i don't know by filling those two, my quotes get affected ..


I thought insurance rates are not affected if you are deemed not at fault. :confused:I don't know why the opposite happened to you.

Insurance appraiser called us this morning and was very nice to us. She said that we don't need to worry at all since its not our fault. We just have to follow their standard procedures for getting it fixed which could take about a week or so.

HOWEVER, she also said that if the guy that hit us doesn't have insurance then $300 will be deducted from deductible!:confused: What's the logic behind this? I am pretty sure the other guy has insurance but lets assume otherwise. i.e. general scenario. Why should I have to pay $$$ out of my deductible because the other guy is driving around without insurance?

[Capt.]

That's standard for your policy. Nothing you can do about it now. Just hope that people who run into you have insurance. If they don't have insurance, ask your company if they will go after the guy for everything they pay out including your $300 deductible. They should be. You also are entitled to a rental vehicle during time of repairs.

[hightech]

Years ago, I got rear ended by this Asian girl who made a right turn and rear ended me while I was at a red light.

She had expired insurance, and after talking to her dad on the phone, he arrived at the scene and showed me the current insurance. I filled out an accident report (didn't trust this guy) and took my car into the approved repair centre. The other party paid the entire cost of the rear bumper ($1800)

At the very minimum, the other party is responsible for replacement costs as well as a rental car (not your fault the car will be out of commission because of him).

[hightech]

I thought insurance rates are not affected if you are deemed not at fault. :confused:I don't know why the opposite happened to you.

Insurance appraiser called us this morning and was very nice to us. She said that we don't need to worry at all since its not our fault. We just have to follow their standard procedures for getting it fixed which could take about a week or so.

HOWEVER, she also said that if the guy that hit us doesn't have insurance then $300 will be deducted from deductible!:confused: What's the logic behind this? I am pretty sure the other guy has insurance but lets assume otherwise. i.e. general scenario. Why should I have to pay $$$ out of my deductible because the other guy is driving around without insurance?

YOU didn't get insurance info? BIG MISTAKE. I would have called the cops on the spot and tell them this guy hit you and refuses to exchange info.

Next time you know what to do.

[jetway1212]

two reasons right here that are part of the reason why I immediately dail 911 to get the cops on the scene. I tell them I will not move my car and continue blocking traffic until an officer comes to assess the scene. I also do not settle privately if they are at fault, as I don't have the time to deal with someone else's financial problems or changing their tune. Going through insurance is there to make the process easy for me.

Where is the police brutality when we need one?

They should come and taser you, kick you in the head and take you off the road for thinking you're the center of the universe

[tapanpatel88]

That's standard for your policy. Nothing you can do about it now. Just hope that people who run into you have insurance. If they don't have insurance, ask your company if they will go after the guy for everything they pay out including your $300 deductible. They should be. You also are entitled to a rental vehicle during time of repairs.

Hi. The appraiser herself told us over the phone that they will be going after the guy if he doesn't have insurance including the $300 deductible. So that's a relief for us now.

YOU didn't get insurance info? BIG MISTAKE. I would have called the cops on the spot and tell them this guy hit you and refuses to exchange info.

Next time you know what to do.

True. Gf got too nervous at the scene and that's why it slipped her mind. Also, she had a very stressful day + 2 hours of travel each day must have caused it to slip her mind. Well he didn't technically refuse but just presented my gf with a green ownership slip. Luckily, my gf took down his license plate which according to her insurance company is more than enough. They will do a plate check/search and then go after his insurance company. I am just glad our insurance company is acting very calm about this and is more than helpful than our expectations.

[jetway1212]

Hi. The appraiser herself told us over the phone that they will be going after the guy if he doesn't have insurance including the $300 deductible. So that's a relief for us now.



True. Gf got too nervous at the scene and that's why it slipped her mind. Also, she had a very stressful day + 2 hours of travel each day must have caused it to slip her mind. Well he didn't technically refuse but just presented my gf with a green ownership slip. Luckily, my gf took down his license plate which according to her insurance company is more than enough. They will do a plate check/search and then go after his insurance company. I am just glad our insurance company is acting very calm about this and is more than helpful than our expectations.

Yeah with the plate number they can find out the insurance comp of that car. HOWEVER, if that plate is expired and no longer insured. You will go thro lots of headache. First you must have the cops report and re-claim this as hit and run. Lets just hope you dont have to go thro that.

Next time tell us the whole story. From your first post i thought you refused to settle privately eventho he agree to pay all the damage.

I got rear ended b4, but i settle with the other driver privately. We went to a shop of my choice, and he did all the payment. At the end, i got my car repaired as new.

[Redro]

Where is the police brutality when we need one?

They should come and taser you, kick you in the head and take you off the road for thinking you're the center of the universe

F_ _ _ that, I called the cops when I was rear ended because I was taking abuse from the other driver and no one showed up but they are there to give you a speeding ticket of 15km over. They are supposed to serve and protect us not be there to rip us off, imo take some cops off of giving out speeding tickets and move them over to protecting us when needed.

[TripleHelix]

F_ _ _ that, I called the cops when I was rear ended because I was taking abuse from the other driver and no one showed up but they are there to give you a speeding ticket of 15km over. They are supposed to serve and protect us not be there to rip us off, imo take some cops off of giving out speeding tickets and move them over to protecting us when needed.

You might have a case calling 911 in that situation, but not in the other guy's case... That's pure stupidity...

[avinash]

Just out of curiosity, assuming that i don't have a camera at the time of accident and am not supposed to dial 911, how am i supposed to get a cops presence for witness purpose?

[Mayoo]

F_ _ _ that, I called the cops when I was rear ended because I was taking abuse from the other driver and no one showed up but they are there to give you a speeding ticket of 15km over. They are supposed to serve and protect us not be there to rip us off, imo take some cops off of giving out speeding tickets and move them over to protecting us when needed.

+1 for 911 when its not at fault accident.. also y the hell we are paying that 911 cellphone charge on every bill ?? .. lets use it at these cases ..

[ssainani]

Just out of curiosity, assuming that i don't have a camera at the time of accident and am not supposed to dial 911, how am i supposed to get a cops presence for witness purpose?

assuming you can both drive off (like in this case) .... you don't need them on the scene to witness anything ... the accident has already occured and the police reporting center is fine

otherwise you call the non emergency number 416-222-something

[champlinD]

Does she feel pain in her neck?

Here goes another 50k the insurance companies will lose.

They better lose, because she is hurt.

[eesh]

Always call 911 to the scene of an accident.

First time I got hit was by a tow truck at a gas station. The guy was giving me problems getting the info, so I called the cops to deal with it.

I'm not trained to control the public, they are. Call them when you need them and get your tax dollars worth.

[cami38]

assuming you can both drive off (like in this case) .... you don't need them on the scene to witness anything ... the accident has already occured and the police reporting center is fine

otherwise you call the non emergency number 416-222-something

this is not true, neither is the info that if you don't have injuries you just exchage info and move on. pain generally doesn't show up right away.
i was in an accident years ago, and seemed fine, but the guy was acting strangely. come to find out when the cops did finally show hours later that the guy was drunk. he was charged and taken home. if i had just exchanged info i would have put that drunk guy back on the road to possibly hit someone else.

p.s. when i called 911 they were not upset at all and said NOTHING about it being only for emergencies.
p.s.s. you quote above the non-emerg #, but you don't even know what it is, and neither does anyone else because they never give it out.

[lagos]

this is not true, neither is the info that if you don't have injuries you just exchage info and move on. pain generally doesn't show up right away.
i was in an accident years ago, and seemed fine, but the guy was acting strangely. come to find out when the cops did finally show hours later that the guy was drunk. he was charged and taken home. if i had just exchanged info i would have put that drunk guy back on the road to possibly hit someone else.

p.s. when i called 911 they were not upset at all and said NOTHING about it being only for emergencies.
p.s.s. you quote above the non-emerg #, but you don't even know what it is, and neither does anyone else because they never give it out.

It is called 911 Emergency for god sakes. Do they have to spell it out for you? Obviously, lots of people call 911 for some many other useless and non-emergency stuff, they are almost immune to people like you calling.

Police non-emergency line is 416-808-2222. It's right on their website (http://www.torontopolice.on.ca/) on the top right corner.

[Flyer]

It is called 911 Emergency for god sakes. Do they have to spell it out for you? Obviously, lots of people call 911 for some many other useless and non-emergency stuff, they are almost immune to people like you calling.

Police non-emergency line is 416-808-2222. It's right on their website (http://www.torontopolice.on.ca/) on the top right corner.
Because you know, everyone has access to a web browser when they're involved in an accident on the road.

*OPP (*677) is easier to remember. Connects you directly to the dispatch and if you are in Toronto or York region, tell them and they will connect you to the respective dispatcher.

[lagos]

Because you know, everyone has access to a web browser when they're involved in an accident on the road.

*OPP (*677) is easier to remember. Connects you directly to the dispatch and if you are in Toronto or York region, tell them and they will connect you to the respective dispatcher.

Do not try to put words in my mouth man...all I said was the claim that police do not give out their non-emergency number was wrong, that's all.

Any half intelligent person knows that if there is no sense of emergency at the time of accident, then nobody needs to call 911 to tie up for real emergencies. Obviously, cami38 did the right thing by calling 911 at his accident since the guy was drunk but not necessary in OP's situation.

[tapanpatel88]

Do not try to put words in my mouth man...all I said was the claim that police do not give out their non-emergency number was wrong, that's all.

Any half intelligent person knows that if there is no sense of emergency at the time of accident, then nobody needs to call 911 to tie up for real emergencies. Obviously, cami38 did the right thing by calling 911 at his accident since the guy was drunk but not necessary in OP's situation.

Wellllll, both my gf's and the other guy's cars were in drivable conditions, thus, no need for 911. When I asked my gf why she didn't call the cops at the scene, she said her estimate for the bumper damage was less than $1000. That's fine, I mean we are not really knowledgeable with cars so our estimate for damages could be over/underestimated. She was in the impression it will cost a bit more than $300 as that's how much it cost to repair my bumper (just a tiny bumper puncture) 6 months ago. But when we went to a body shop to get a quote, it was advised to us to replace the bumper instead of repairing it. Ah well, lesson learned - will call the police at the scene should any unfortunate incidence like this happen again.


*OPP (*677) is easier to remember. Connects you directly to the dispatch and if you are in Toronto or York region, tell them and they will connect you to the respective dispatcher.

*OPP (*677) - I never knew about this facility. Thanks for telling me :razz:

[Havo]

You should definately call the police if an accident has occurred. If they come, they can usually fill out a police report for you so you don't have to go to the collision centre. I had this happen to me over a month ago. Some guy rear ended me and I was deemed not at fault. Cop showed up like after 30-45 mins and wrote up a report for us. Car was towed away because it was deemed undriveable. I don't think the guy that hit me wanted to settle out of insurance cuz he totaled my car.

My friend had a similar situation happen to him. He was rear ended... the guy told him he wanted to settle out of insurance. My friend did not call the cop and he took his car to the collision centre. In the end he had to pay the deductible because the other guy told him he didn't want to go through insurance but later changed his mind. So in the end up my friend was out some cash because of that.

Bumpers may seem inexpensive because they simply are just pieces of plastic but to get it and paint it etc. costs a fair amount of cash. If its anything outside of a paint scratch I would prob go through insurance. I would at least get info in case anything happens. Lesson learned... call the cops.

Even if you're not at fault, it sucks to be in an accident because its such a hassle. You have to fill out paperwork and you are on the phone all the time. It also costs you money if the car is damaged beyond repair because you will most likely need to add money to get something else.

[TripleHelix]

Always call Police to the scene of an accident.

First time I got hit was by a tow truck at a gas station. The guy was giving me problems getting the info, so I called the cops to deal with it.

I'm not trained to control the public, they are. Call them when you need them and get your tax dollars worth.

Fixed

You should definately call the police if an accident has occurred. If they come, they can usually fill out a police report for you so you don't have to go to the collision centre. I had this happen to me over a month ago. Some guy rear ended me and I was deemed not at fault. Cop showed up like after 30-45 mins and wrote up a report for us. Car was towed away because it was deemed undriveable. I don't think the guy that hit me wanted to settle out of insurance cuz he totaled my car.

My friend had a similar situation happen to him. He was rear ended... the guy told him he wanted to settle out of insurance. My friend did not call the cop and he took his car to the collision centre. In the end he had to pay the deductible because the other guy told him he didn't want to go through insurance but later changed his mind. So in the end up my friend was out some cash because of that.

Bumpers may seem inexpensive because they simply are just pieces of plastic but to get it and paint it etc. costs a fair amount of cash. If its anything outside of a paint scratch I would prob go through insurance. I would at least get info in case anything happens. Lesson learned... call the cops.

Even if you're not at fault, it sucks to be in an accident because its such a hassle. You have to fill out paperwork and you are on the phone all the time. It also costs you money if the car is damaged beyond repair because you will most likely need to add money to get something else.

So did your friend not take down the other guy's info?? If he has the information, his insurance company could of went after him for everything...

+1 for 911 when its not at fault accident.. also y the hell we are paying that 911 cellphone charge on every bill ?? .. lets use it at these cases ..

Except the 911 fee is a bogus fee going to the wireless companies and noone else. It's because even unactivated phones are able to call 911 and they feel as if they have to be compensated for that...

Using 911 is stupid if it's not an emergency, plain and simple...

[TrevorK]

All these people who abuse the 911 system remind me of this guy:
http://www.thesmokinggun.com/archive/years/2009/0209092burgerking1.html

[cami38]

It is called 911 Emergency for god sakes. Do they have to spell it out for you? Obviously, lots of people call 911 for some many other useless and non-emergency stuff, they are almost immune to people like you calling.

Police non-emergency line is 416-808-2222. It's right on their website (http://www.torontopolice.on.ca/) on the top right corner.

all i'm saying is you never can tell. it's easy to say don't bother calling the cops because they have better things to do (whether you use 911 or non-emerg #) but you never know what can happen or who you are dealing with as the other driver. plus if someone hits me because of something illegal they were doing i want that ***hole charged.

[Mayoo]

http://www.opp.ca/ecms/index.php?id=163

When To Call 911

Call 9-1-1 to:

stop a crime
report a fire
save a life
in any EMERGENCY situation whenever police, fire or ambulance assistance is required immediately
If you are unsure, call 9-1-1 and the communicator will make the final determination

Do NOT Call 9-1-1 to:

report a hydro outage
check weather or highway conditions
obtain government information
for directory assistance
for information about school closings, road conditions, directions, etc.

Read the bold category .. first of all it never said DONT call 911 for Accident !!

So yes u can call 911 during accident and let the communicator makes the decision rather keyboard warriors at RFD

[maniacshopper]

op, I think you have 24 hours to report the incident.
I'd report it, since the rear-ender is 100% at fault.

Go thru the insurance, do not go private settlement.

As for coverage, he most likely has the regular full coverage, not the crappy strip down version that the law was just passed. In an accident, always call your insurance for advise, especially when it's not your fault.

[jetway1212]

F_ _ _ that, I called the cops when I was rear ended because I was taking abuse from the other driver and no one showed up but they are there to give you a speeding ticket of 15km over. They are supposed to serve and protect us not be there to rip us off, imo take some cops off of giving out speeding tickets and move them over to protecting us when needed.

Yeah so do i if i got any physical harassment... whats your point? were you slapped so hard on the head that you cant distinguish between your case and the other guy's case?

[jetway1212]

Always call 911 to the scene of an accident.

First time I got hit was by a tow truck at a gas station. The guy was giving me problems getting the info, so I called the cops to deal with it.

I'm not trained to control the public, they are. Call them when you need them and get your tax dollars worth.

In your case then Yes, stop making it as a rule. Go to any collision center and the staff there can school you a thing or 2 about what to do.

[jetway1212]

You should definately call the police if an accident has occurred. If they come, they can usually fill out a police report for you so you don't have to go to the collision centre. I had this happen to me over a month ago. Some guy rear ended me and I was deemed not at fault. Cop showed up like after 30-45 mins and wrote up a report for us. Car was towed away because it was deemed undriveable. I don't think the guy that hit me wanted to settle out of insurance cuz he totaled my car.

My friend had a similar situation happen to him. He was rear ended... the guy told him he wanted to settle out of insurance. My friend did not call the cop and he took his car to the collision centre. In the end he had to pay the deductible because the other guy told him he didn't want to go through insurance but later changed his mind. So in the end up my friend was out some cash because of that.

Bumpers may seem inexpensive because they simply are just pieces of plastic but to get it and paint it etc. costs a fair amount of cash. If its anything outside of a paint scratch I would prob go through insurance. I would at least get info in case anything happens. Lesson learned... call the cops.

Even if you're not at fault, it sucks to be in an accident because its such a hassle. You have to fill out paperwork and you are on the phone all the time. It also costs you money if the car is damaged beyond repair because you will most likely need to add money to get something else.


Your story just draw me a conclusion....

You're an idiot so is your friend. LOL at your effort learning from those incidents. Such a fail.

[chickenbones]

You must report the accident at the collision centre. If not you can be screwed if the other driver reports you first.

This has happend to a friend of a friend. The other driver rear ended him, but wanted to settle privately. Then later on he/she went to the collision centre to report that the friend had reversed into him/her. The friend was found at fault since he never reported it...

[jetway1212]

http://www.opp.ca/ecms/index.php?id=163

When To Call 911

Call 9-1-1 to:

stop a crime
report a fire
save a life
in any EMERGENCY situation whenever police, fire or ambulance assistance is required immediately
If you are unsure, call 9-1-1 and the communicator will make the final determination

Do NOT Call 9-1-1 to:

report a hydro outage
check weather or highway conditions
obtain government information
for directory assistance
for information about school closings, road conditions, directions, etc.

Read the bold category .. first of all it never said DONT call 911 for Accident !!

So yes u can call 911 during accident and let the communicator makes the decision rather keyboard warriors at RFD

The bold line is applied retards who cant ever determine if the situation is an emergency or not. For example, serious injuries, mechanical damages that affect the car's operation... etc are deemed as emergency as you need help right away.

I find it hilarious that a bumper damage can lead them think.... " gee .. i dont know if this is an emergency ... let me call 911 and the operator can direct me.."

Thanks for the laugh.

[jetway1212]

You must report the accident at the collision centre. If not you can be screwed if the other driver reports you first.

This has happend to a friend of a friend. The other driver rear ended him, but wanted to settle privately. Then later on he/she went to the collision centre to report that the friend had reversed into him/her. The friend was found at fault since he never reported it...

Damn, we must have the same friend. However, i stop hanging out them long time ago as i cant stand idiots.

kthnxbye

[Mayoo]

The bold line is applied retards who cant ever determine if the situation is an emergency or not. For example, serious injuries, mechanical damages that affect the car's operation... etc are deemed as emergency as you need help right away.

I find it hilarious that a bumper damage can lead them think.... " gee .. i dont know if this is an emergency ... let me call 911 and the operator can direct me.."

Thanks for the laugh.

Even though i am replying to this thread my post should come under a topic called when to call 911 .. its not related to the OPs post ..

ur example are perfectly fine but think about the cases where u cant decide what to do ..

- Accident in the middle of the intersection ( even fender bender ) where the other person refuse to accept his mistake thus u cant move the car
- Other driver is threatening u
- list can go long ..

the above examples reflect even if its minor fender bender u need to call 911 cause ur not going to deal with nice people everyday !!!

[jetway1212]

Even though i am replying to this thread my post should come under a topic called when to call 911 .. its not related to the OPs post ..

ur example are perfectly fine but think about the cases where u cant decide what to do ..

- Accident in the middle of the intersection ( even fender bender ) where the other person refuse to accept his mistake thus u cant move the car
- Other driver is threatening u
- list can go long ..

the above examples reflect even if its minor fender bender u need to call 911 cause ur not going to deal with nice people everyday !!!

Seriously, did you miss my ..."etc" You just made my points about not being able to determine the situation. But your claim was ..... always call 911 when you're in an accident. That doesnt sound like a good advice does it?

I mean... do you need me to list all the possible cases on this planet so you can write it down on a book?

[Mayoo]

Seriously, did you miss my ..."etc" You just made my points about not being able to determine the situation. But your claim was ..... always call 911 when you're in an accident. That doesnt sound like a good advice does it?

I mean... do you need me to list all the possible cases on this planet so you can write it down on a book?

u don't need to make list as ( unless ur free :D ) but my point is except some scenarios where 911 isn't necessary, most cases its good to call 911 ( unless people carry local police number ) to get it over with.. accidents not always happen to one person everyday (to get experienced on to ) and not many 'people' are 'Advance Users' at accident spots where fraud may happen or come in any form....

The latest fraud is some people act as they don't know English, some people throw their wallet after accident .. cops present is necessary in all cases ( again ur etc may contain all those )

[Tacoma]

It's a no brainer actually. The Insurance Rules state that any two vehicle collision where vehicle A is hit in the rear by vehicle B, vehicle B is 100% at fault. This fault will be assessed regardless of any charges laid or not laid by the lazy bum at the reporting centre. The insurance company can not assess otherwise.
....

OK, here's a hypothetical situation... you're driving along a street with parked cars along side of the road. You drive carefully at below the speed limit looking out for pedestrians and bikers. Then, suddenly, one of the parked cars darts out within 10 metres in front of you and you slam on the brakes but still end up hitting him from behind because there's no way you can stop on time.

Are you 100% at fault for hitting him from behind?

[mkerian]

OK, here's a hypothetical situation... you're driving along a street with parked cars along side of the road. You drive carefully at below the speed limit looking out for pedestrians and bikers. Then, suddenly, one of the parked cars darts out within 10 metres in front of you and you slam on the brakes but still end up hitting him from behind because there's no way you can stop on time.

Are you 100% at fault for hitting him from behind?

I would say 50/50. It's on you to watch out for cars that are moving, but the driver wasn't minding the lane he/she was entering.

[Tacoma]

http://www.opp.ca/ecms/index.php?id=163

When To Call 911

Call 9-1-1 to:

stop a crime
report a fire
save a life
in any EMERGENCY situation whenever police, fire or ambulance assistance is required immediately
If you are unsure, call 9-1-1 and the communicator will make the final determination

Do NOT Call 9-1-1 to:

report a hydro outage
check weather or highway conditions
obtain government information
for directory assistance
for information about school closings, road conditions, directions, etc.

Read the bold category .. first of all it never said DONT call 911 for Accident !!

So yes u can call 911 during accident and let the communicator makes the decision rather keyboard warriors at RFD

I can see both sides of the argument. On the one hand, don't tie up 911 operators with non-emergency issues. But on the other hand, it's my understanding (and this seems to be confirmed above by Mayoo) that the 911 switchboard operator has responsibility to ask and determine whether a call is an emergency or not, and the 911 system is equiped to handle this extra capacity so that handling of real emergencies are not compromised.

I think at the end of the day, one has to ask how many people would be able to remember the police non-emergency number 416-808-2222 (or some other # if your accident took place in Markham or Mississauga?) off by heart, especially if they're a nervous reck after just having been in an accident. If it's just a fender bender and there are no confrontations between the drivers or occupants, then just exchange info and proceed to the Collision Centre ASAP. If it's more than that or there's uncertainty, then calling 911 and letting the switchboard operator do her/his job would not be inappropriate.

[Tacoma]

I would say 50/50. It's on you to watch out for cars that are moving, but the driver wasn't minding the lane he/she was entering.

In my hypothetical, the parked car wasn't moving before darting out. It can take a second or less to dart out from a dead stop. By the time the driving vehicle sees the parked car moving and in that fraction of a second, the park car is already in his lane and there's no time to stop. In other words, there is no way for the driving vehicle to avoid hitting the darting car from behind.

I guess my point is that the driver of a car hitting another car from behind isn't always 100% at fault. On the contrary, in my hypothetical, I would maintain that it's the darting driver in front that is 100% at fault.

[Mayoo]

I can see both sides of the argument. On the one hand, don't tie up 911 operators with non-emergency issues. But on the other hand, it's my understanding (and this seems to be confirmed above by Mayoo) that the 911 switchboard operator has responsibility to ask and determine whether a call is an emergency or not, and the 911 system is equiped to handle this extra capacity so that handling of real emergencies are not compromised.

I think at the end of the day, one has to ask how many people would be able to remember the police non-emergency number 416-808-2222 (or some other # if your accident took place in Markham or Mississauga?) off by heart, especially if they're a nervous reck after just having been in an accident. If it's just a fender bender and there are no confrontations between the drivers or occupants, then just exchange info and proceed to the Collision Centre ASAP. If it's more than that or there's uncertainty, then calling 911 and letting the switchboard operator do her/his job would not be inappropriate.

well said SIR.. like roads, RFD got good and bad "drivers"(members) to understand the argument and reply in polite manner .. ;)

[avinash]

*OPP (*677) - I never knew about this facility. Thanks for telling me :razz:

ya, thanks for the info...

[TrevorK]

OK, here's a hypothetical situation... you're driving along a street with parked cars along side of the road. You drive carefully at below the speed limit looking out for pedestrians and bikers. Then, suddenly, one of the parked cars darts out within 10 metres in front of you and you slam on the brakes but still end up hitting him from behind because there's no way you can stop on time.

Are you 100% at fault for hitting him from behind?

If you hit him square on the bumper, then yes, you're 100% at fault.

If you don't hit him square then it's the fault of the person pulling out for not yielding to oncoming traffic.