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-- Involved in a Car Accident--Anything I can Do?
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Re: Re: Re: Involved in a Car Accident--Anything I can Do?

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Originally posted by Moral Hazard Bad advice at this point, as he's already reported it to his insurance company. Personal automobile policies are priced based on a risk rating; meaning you are charged a premium per thousand dollars of insurance based on the level of risk you represent... risk meaning the probability that the insurer will have to respond to a claim made against your policy. The amount of money that the insurer pays on claims has no bearing on risk rating. Whether he withdraws his claim at this point or continues with it the effect on his insurance will be the same. Now, this could be good advice if his insurer was not already aware of the loss.... I say could because the decision of whether or not to claim for damages depends on a great many personal factors.

do you represent the insurance company that he's with, one thing I know different companies have different sets of rules.

Re: Re: Re: Re: Involved in a Car Accident--Anything I can Do?

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Originally posted by djeso do you represent the insurance company that he's with, one thing I know different companies have different sets of rules.

The manner in which premiums for personal automobile are calculated in the province of Ontario are set by the Financial Services Commission of Ontario (government body). ALL personal automobile insurers must calculate their premiums in the exact same manner. Differences come because the writing criteria (how good/bad of a risk a company can reject) and the actual rates (amount of money the company can charge for each level of risk rating) are submitted by each company for approval by FSCO... this is to say each insurer tells the government what level of risk they are willing to take and how much they will charge for that; however, the formula to calculate the level of risk and associated premium remains the same.

Now, commercial automobile writers are different... they can calculate premiums however they choose... generally they will calculate their premiums based on experience... which is to say they will total up the claims payments for the past year, apply limits to rule out any exceptionally high dollar value claims that are unlikely to be repeated, apply a discount if they believe one is applicable, and charge premium for the current year based on the losses of the past year.

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Originally posted by london_ta You really need to not take my jokes too seriously.

dude you need a grammar lesson.

This is the one that gets me mad, when people can't use too, to, two.

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Originally posted by urban_legend dude you need a grammar lesson. This is the one that gets me mad, when people can't use too, to, two.

I'm pretty sure that statement is grammatically correct though!

And we're coming to Glaude Hooper, don't you worry!

Re: Re: Re: Re: Re: Re: Re: Involved in a Car Accident--Anything I can Do?

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Originally posted by Moral Hazard I blame the para-weasels

Its not just the para-legals.....its the treatment facilities, especially in the GTA, who feel the need to send in meaningless treatment plans and requests for assessments that are not necessary. Its amazing the number of treatment facilities who use Doctor Signatures without authorization from the doctors. There was just recently a Physiotherpy Company and Assessment Company (owned by the same person) who has cease business order on them right now as they have been caught doing just this.

The Accident Benefit system in Ontario needs to be revamped big time....but until then I will accept how it benefits me and continue to bitch about my claims.

Re: Re: Re: Re: Re: Re: Re: Re: Involved in a Car Accident--Anything I can Do?

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Originally posted by ChemEnhanced Its amazing the number of treatment facilities who use Doctor Signatures without authorization from the doctors.

I've heard about this....we've been warned to protect our licence numbers from sketchy facilities like those....

Thank you for all the responses

My insurance company has agreed not to increase my premiums if I decide not to go through with the claim. However, I expect the damages to be significant and, so, I wouldn't be surprised if I end up going through my insurance. I am going to contact the dealership now and hopefully I'll be given an estimate.

And, thankfully I sustained zero injuries.

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Originally posted by fayraree and Spam, your story was confusing.

No, it's pretty clear cut.

In a nutshell, the exact same situation happened to me. But...

Because I was actually looking at the road ahead of me, I saw the obstruction coming, even though it was dark, and the obstruction was also dark, much like the OP's story.

Therefore, I was able to stop and avoid the object.

There is no excuse for driving straight into any stationary obstruction on the road in front of you. The only excuse I will except is when the car you're tailgating swerves out of the way at the last second, and thus you would have no chance to see the obstruction. But that would require following too close in the first place, which is also a horrible driving habit.

Given that the OP drove directly into a stationary obstruction on a well-lit highway, I don't believe the OP was doing his due-diligence while driving his vehicle. In fact, I believe he was probably distracted by something that wasn't the road or traffic ahead, and glanced up at the last second, thereby not having enough time to avoid the obstruction that ruined his car. The OP needs to pay more attention to the road ahead when he is driving, to avoid future damage to his vehicle.

lol but your writing style, which involved "everything went fine with the insurance co. cuz there was no insurance co. involved" is messed up. stick to creative writing class, not posting on TA.

The dealership has quoted me approx $2400 worth of exterior damage. The person with whom I spoke also thinks there may be alignment and/or suspension damage--a suspicion that will have to be confirmed after the body of the car has been repaired and the vehicle can be sent for an assessment. I guess I'm going to put it through insurance.

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Originally posted by urban_legend dude you need a grammar lesson. This is the one that gets me mad, when people can't use too, to, two.

hahaha. clearly you don't know how to use "too", "to", and "two".

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Originally posted by fayraree lol but your writing style, which involved "everything went fine with the insurance co. cuz there was no insurance co. involved" is messed up. stick to creative writing class, not posting on TA.

Oh, well that's totally understood then. That was kinda the point of writing in that style, to make people re-read it to double-check what I actually meant I was trying to mimick his own words as best I could while delivering a story that didn't involve driving directly into the stationary object on the road

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Originally posted by mickmack hahaha. clearly you don't know how to use "too", "to", and "two".

Lol, why do you say that, I didn't even use it.

Too means as well.

Are you bustin my balls Patrick?

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Originally posted by Nick Cenik The dealership has quoted me approx $2400 worth of exterior damage. The person with whom I spoke also thinks there may be alignment and/or suspension damage--a suspicion that will have to be confirmed after the body of the car has been repaired and the vehicle can be sent for an assessment. I guess I'm going to put it through insurance.

uhh dealership?
go to a regular shop and have your car fixed for half the price dude (if not less)

good place to go to would be dufferin and finch "goodwrench", i was there just a week ago they fixed my car with some serious damages in under 2 days, i was charged $1450. (that's including tow, parts, work etc)
call them 416-739-1717, the guy's name is alex.

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Originally posted by urban_legend Lol, why do you say that, I didn't even use it. Too means as well. Are you bustin my balls Patrick?

yes i am busting your balls but you were the one that pointed out someone else's mistake when there was nothing wrong with it to begin with.

"Too" has more then one use and meaning.

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Originally posted by geroin uhh dealership? go to a regular shop and have your car fixed for half the price dude (if not less) good place to go to would be dufferin and finch "goodwrench", i was there just a week ago they fixed my car with some serious damages in under 2 days, i was charged $1450. (that's including tow, parts, work etc) call them 416-739-1717, the guy's name is alex.

if he's going through insurance it won't matter who he goes to for the repairs. 99.9% of the time the insurance company is going to have an appraisal of the damages done and the repair shop will have to follow the appraisal.

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Originally posted by ChemEnhanced if he's going through insurance it won't matter who he goes to for the repairs. 99.9% of the time the insurance company is going to have an appraisal of the damages done and the repair shop will have to follow the appraisal.

The insurance company will be sending an appraiser out to the shop. The car will be fixed by Royal Atlantic (the shop with which Honda Mississauga deals).

i didn't say to go through insurance, if hes not going through insurance he can have it fixed much cheaper than what the dealer quoted.
it is not worth to claim this, he will still have to put down $1000 out of his pocket and his premium will go up where he can pay $1000 and not claim anything.

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Originally posted by geroin i didn't say to go through insurance, if hes not going through insurance he can have it fixed much cheaper than what the dealer quoted. it is not worth to claim this, he will still have to put down $1000 out of his pocket and his premium will go up where he can pay $1000 and not claim anything.

Well. from Nick's post it appeared he already made the decision to go through insurance.

I agree that you can get the work done cheaper then the dealership would quote....but remeber....you get what you pay for too.

I think the only way one can get away with being not at fault, is by claiming the thing you crashed in was still airborne as your car hit it, coming off a truck you failed to get the license plate. It becomes at fault as soon as it touches the ground whereby it would be considered a road hazard.

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Originally posted by Abercrombie I think the only way one can get away with being not at fault, is by claiming the thing you crashed in was still airborne as your car hit it, coming off a truck you failed to get the license plate. It becomes at fault as soon as it touches the ground whereby it would be considered a road hazard.

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Originally posted by Nick Cenik If it matters, the police at the scene informed me that officers were en route to remove the debris from the highway before my car collided with it.

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Originally posted by mickmack yes i am busting your balls but you were the one that pointed out someone else's mistake when there was nothing wrong with it to begin with. "Too" has more then one use and meaning.

really? Fuk. Well don't I look like the retard then lol.

This is why Math was my bitch.


Are you sure your not just bustin ma balls?

Depending on what kind of car you have, year, and how much it's worth ... it may be better to just have the car fixed at a shop for alot cheaper than that and not go through your insurance company with a claim...

What is it that's exactly damaged on the exterior?

Front bumper? headlight? fender? bent hood?

If that's the case, then $2400 is a RIP OFF!! If the bumper is repairable then that could save you a lot of money getting it fixed instead of getting a new one (if thats the case), for the headlight/s go to a junk yard or find it on kijiji, paint job could be done for super cheap...

What's the specs on the car and actual damage? That will determine the best action to follow!

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Originally posted by PurpleHaze Depending on what kind of car you have, year, and how much it's worth ... it may be better to just have the car fixed at a shop for alot cheaper than that and not go through your insurance company with a claim...

exactly what i was saying..
i believe he drives a honda civic, a bumper for that costs like 200 bucks off a scrapyard if its not the latest model. the total for your car including alignment/suspension would probably come up to a $1000 at a regular shop

Guys you are missing the point, if he has reported it to insurance already he is SCREWED. Even if he fixes it himself he will still be dinged. He should not have contacted his Insurance company.

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