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Car Insurance Rates To Skyrocket (pg. 3)
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| E2EK1EL |
| quote: | Originally posted by ChemEnhanced
You can refuse to pay for treatments however; its not as easy as just saying sorry we're not paying for more treatment. The biggest problem is not the people who are injured....they are just pawns in the game played by legal reps and treatment facilities. The treatment facilities submit treatment plans to the insurance company and the insurance company can either accept the treatment plans or refuse them. If they refuse the treatment plan then the injured party has to be examined by an independent doctor to see if the treatment plan that was submitted is reasonable. The treatment facilities can submit as many treatment plans as they want and there is nothing holding them accountable for the recommendations they make in the treatment plans. The insurance companies have to pay for the costs to have the doctors examine the injured parties. Then there are assessment facilities who send in requests for ortho assessments, psych assessment, neuro assessments, etc, etc, etc. when the injured parties don't even need these types of assessments. The scams start right from the tow truck drivers to the legal reps, to the treatment facilities, to the assessment facilities and to the injured people. In a lot of cases the injured parties don't even know whats going on. |
BINGO!!! That's the reality of things ... those con-artist doctors, treatment centres and especially those ing paralegals!
There has to be a way to stop them, really ... we're all victims of this massive loop hole. |
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| Abercrombie |
| quote: | Originally posted by DJ Mach X
What in the super?! Did you mean Lamborghini? Or did you mean $194? |
Oh... I pay annually, not monthly. So that would be $39 per month on my Miata, and just under $100 a month on the Elantra.
Jay prolly spends as little as I do as well. |
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| ChemEnhanced |
| quote: | Originally posted by DigiNut
Horrible. So how do Quebec and most of the continental USA get around it? |
There are many factors but if we are just talking about the injury portion then its the much lower medical coverage limits. One of the main reasons Ontario went with such high limits and so many benefits was they wanted to make sure people got the treatment and coverage they needed instead of fighting with the at fault party's insurance company to get treatment. On the surface it seems like a good idea and in most areas outside of the GTA the system works well. The problem is the GTA has more people that abuse the system.
One of the biggest expenses on your auto insurance in ontario is the Accident Benefit Coverage. Most policies would probably drop $400 to $500 if we could eliminate much of the benefits and lower the medical benefits. |
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| ChemEnhanced |
| quote: | Originally posted by E2EK1EL
Must be a very stressful and endless pain in the ass job, I really hope they pay you well.
Wanted to ask you what happens with a total lost accident?
Party “A” rear ends party “B” @ full force.
Party “B” car is a total lost
-Who’s insurance goes up?
-Who’s insurance pays for the car damages at the total end of the settlement of party “B”?
-How much is the towing of party “B” car?
-Does party “B” insurance goes up within the next 2 years?
(Even when he or she is not at fault) |
Most people that handle auto injury claims usually last about five years and then they have to change because its too much stress....I've been handling these types of claims for about 10 years. Between the government imposed timelines for responses and just dealing with a lot of low lifes it can be stressfull.
In your scenario Party A is 100% at fault as per the Fault Determination Rules in Ontario. Party A would most likely see a raise in insurance rates as they are at fault for the accident. Party Bs insurance company will pay for Party Bs damages. That's the No Fault Insurance at work. What No Fault Insurance means is that it doesn't matter who's at fault your insurance company pays for your claim and cannot subrogate against the other insurance company. As for towing costs those will be picked up by the insurance company but as for how much it costs I couldn't tell you...I've seen some companies charge insurance companies $200.00 just to hook the vehicle up and then $2,000.00 (thats not a typo) a day storage for each day the vehicle sits at the tow yard. Party Bs insurance should not go up due to the accident but there could be many other factors that cause PArty Bs insurance to go up over the two years. |
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| miketg23 |
| Had an insurance claim for an accident I had a few years ago. The guy at the shop said he could do it for 700 but when I told him I would be going through insurance the price on the invoice almost doubled to 1300. |
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| DigiNut |
| quote: | Originally posted by miketg23
Had an insurance claim for an accident I had a few years ago. The guy at the shop said he could do it for 700 but when I told him I would be going through insurance the price on the invoice almost doubled to 1300. |
Depending on the repairs, there may actually be a legitimate reason for that. A lot of shops will offer to save you money if you're paying out of pocket by using after-market parts that look pretty much identical to the manufacturer parts, but aren't. Technically this would lower the resale value of your car and/or run you into warranty issues if it became known, and land you in big trouble if it's a lease, so if it goes through insurance they'll use factory parts, which is perfectly reasonable.
Or maybe they're just dinging insurance, I don't know - but the price difference you mentioned seems about right for, as an example, a factory bumper and a couple of lamps vs. after-market. |
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| miketg23 |
| quote: | Originally posted by DigiNut
Depending on the repairs, there may actually be a legitimate reason for that. A lot of shops will offer to save you money if you're paying out of pocket by using after-market parts that look pretty much identical to the manufacturer parts, but aren't. Technically this would lower the resale value of your car and/or run you into warranty issues if it became known, and land you in big trouble if it's a lease, so if it goes through insurance they'll use factory parts, which is perfectly reasonable.
Or maybe they're just dinging insurance, I don't know - but the price difference you mentioned seems about right for, as an example, a factory bumper and a couple of lamps vs. after-market. |
No replacement parts, just painting and a dent which was "popped out"...
:conf: |
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| *~LiSa-LoO~* |
| quote: | Originally posted by DJ Mach X
Not surprising, you're the reason insurance rates go up anyways...
1)Ur a Girl
2)Ur asian
:) :D :p |
lol that's actually the only at fault accident I had. I know how to handle a car! |
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| malek |
| quote: | Originally posted by musicsnob_NOT
Quebec can afford that because of the stupid equalization payments they get. |
Retract yourself dumb ass, you should be ashamed of yourself saying such idiocies without looking it up first. If you even knew how equalization worked in the first place, you would know that your broke ass isn't paying a dime into it.
The SAAQ is fully paid by Quebec drivers, its an independant org, as liquore board for example.
With the no-fault clause, the system doesn't feed the lawyers and vultures surrounding the system.
But this also limit the civil recourse you can have against someone who was clearly at fault (you got hit by a drunk driver, you can't sue with a civil suit).
Here educate yourself: http://www.saaq.qc.ca/publications/...c_regime_an.pdf |
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| Moral Hazard |
... I missed all the insurance fun:whip:
BTW; to the people posting their rates... this is meaningless unless you also post your coverage, deductibles, territory, use, vehicle info, and age. You cannot simply compare premium numbers. |
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| StereoPrincess |
| quote: | Originally posted by ChemEnhanced
The scams start right from the tow truck drivers |
yeah, those rats on wheels. my current car situation cost the insurance company over 800 dollars in towing fees to get the damn car to the shop because the towing people decided to tow it all over the ing place. |
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| ChemEnhanced |
| quote: | Originally posted by Moral Hazard
... I missed all the insurance fun:whip:
BTW; to the people posting their rates... this is meaningless unless you also post your coverage, deductibles, territory, use, vehicle info, and age. You cannot simply compare premium numbers. |
I think I covered all the important things. |
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