LOL @ Internet threats

oooooo

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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.

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Great Music Stations: 2HP.ca Radio & etn.fm

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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 RickyM you're just a shit version of Moral Hazard. At least he knows what he's talking about.

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Originally posted by pkcRAISTLIN lol, i love it when moral feels the need to lay the smack down

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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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Marco V is the MAN!!!!!

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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!

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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.

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Scott has been introduced to the rave scene, and Ecstasy, by Craig. The two of them go out on the weekends, with some of Craigs friends, and stay up all night, dancing in a drug-fueled trance.

Last edited by Moral Hazard on Apr-26-2011 at 07:48

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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....

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"we're here for a good time...not a long time..."

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.

quote:

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.

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Captain Planet is gey.
Water, Fire, Earth, Wind, Heart???
These forces are supposed to combine to create Captain Planet?
Bullshit.
Those forces combine to create a soaking, boiling mudstorm on Valentine's Day.

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.