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Originally posted by Playa24_7 annnnnnnnnd brand new civic he will get lol

I can totally hear the way u would say that too

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Originally posted by arek can you do anything in case of a hit n run? if a car hit you from behind and fled the scene, leaving substantial damage. i only caught the 4 first letters of his licenseplate and know only that he's black and drives a black car. my insurance is one way. witnesses couldn't believe he fled.

If you were able to get the names and contact numbers for the witnesses, and they corroborate your account of the collision, your insurance company may elect to pay the claim under DCPD. DCPD is a coverage under the liability section of your policy that pays for your damages in not-at-fault accidents. The reason I said may, however, is that in order for DCPD to be triggered not only do you have to be not-at-fault but at least one other vehicle involved needs to be insured in Ontario. While the witnesses may support that you were not at-fault unless the other party is identified no one can confirm he/she was insured in Ontario. All that aside, some insurance companies will are "kinder" then others and don't always take a strict interpretation of the policy. Personally, I wouldn't extend coverage, however, I have been instructed to do so by insurers in the past.

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Originally posted by Moral Hazard Personally, I wouldn't extend coverage, however, I have been instructed to do so by insurers in the past.

Come on- you're supposed to be on 'our side'!

What's the point of DCPD anyways if you have to prove that the other car had insurance coverage in Ontario? If you discovered who the hit & run driver at fault was, and say they are insured in Ontario, then their insurance company would cover it anyways, leaving no need for DCPD, right?

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Originally posted by tatgirl Come on- you're supposed to be on 'our side'! What's the point of DCPD anyways if you have to prove that the other car had insurance coverage in Ontario? If you discovered who the hit & run driver at fault was, and say they are insured in Ontario, then their insurance company would cover it anyways, leaving no need for DCPD, right?

Nat, I'm not on either side. Insurance is a contract between the insurer and the insured. My job is to make sure that both sides meet their obligations under that contract, no more, no less. If one of the parties chooses to go beyond their obligations that is up to them but as the person charged with making sure that both sides best interests are served I cannot recommend it.

Normally proving that at least one other party has liability coverage in Ontario is not a problem (except in hit and runs). If both vehicles involved have insurance in ontario then the insurers of each vehicle pay for that vehicle's damage.
If you are insured by RBC and I am insured by Pilot and I rear end you then it would break down like this.... I would be at fault, RBC would pay your damages under DCPD, Pilot would pay my damages under collision (if I have collision coverage).
Now, say you have coverage through RBC and I am uninsured.... RBC would pay your damages under collision (if you have it) and then they could sue me to recover what they paid. If you don't have collision you would have to sue me. The same would be true if I were insured by a company that doesn't write insurance in Ontario... say I were from Florida and insured with Geico, then RBC would sue Geico to recover.

Bah, reading this thread just makes me think insurance as a whole is a scam. Too bad that we have to pay so much for this 'peace of mind'

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Originally posted by zokissima Bah, reading this thread just makes me think insurance as a whole is a scam. Too bad that we have to pay so much for this 'peace of mind'

Yep it's a big conspiracy and we're all out to screw you. I just recently paid $790,000 in damages to a young man that was struck by a car while crossing a street in Calgary.... I paid so much because he's 31 incapable of walking without a walker, cannot lift anything weighing over 25lbs, and subsequently will never work again. I bet you he really hates insurance companies because he'd be much happier spending the rest of his life on welfare. I'm pretty sure the person who hit him (waitress) is upset about it too because I know that she was really looking forward to working two jobs for the rest of her life so that she could pay off the court judgment against her.

fuck people like you make me mad, can't think of anything other then your monthly premiums which really pale in comparison with the protection availible to you. But hey, you could always drive with out insurance and just hope for the best..... asswipe!

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Originally posted by Moral Hazard fuck people like you make me mad, can't think of anything other then your monthly premiums which really pale in comparison with the protection availible to you. But hey, you could always drive with out insurance and just hope for the best..... asswipe!

Plus infinity

insurance is a fucking scam especially in ontario, but we dont need to get into that


holy crap that looks terrible!(the car). At least they only had minor injuries. Civic FTW!

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Originally posted by Euphorica insurance is a fucking scam especially in ontario, but we dont need to get into that holy crap that looks terrible!(the car). At least they only had minor injuries. Civic FTW!

Yeah it does... good thing he has insurance!

happy to hear everyone ok

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