Highway incident and insurance report

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Joined: Mon Jan 26, 2015 5:48 pm

Highway incident and insurance report

by: sg84 on
Mon Jan 26, 2015 5:59 pm

Someone has an accident in a car worth very little on highway 401 but the car is not drivable (but not in terrible shape), there is a police report filed right away in which no other cars were involved, however the car did strike a guardrail. Is it possible to handle this without involving insurance? Or is a forgone conclusion insurance will be notified by the police?
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by: cibinv on
Tue Jan 27, 2015 11:31 am

Your insurance company will know. There will be a claim started from the province for the damage to highway property. It costs thousands of dollars to fix a guardrail and there is no mechanism to pay for it out of pocket. It's your choice to tell them or you can just wait until the province sends the bill.
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by: bend on
Tue Jan 27, 2015 11:46 am

You have to report any accident to your insurance provider within 7 days. If you are unable to do that (eg: you're in a hospital), they'll expect you to report it as soon as possible.

The other party as up to a year to file a claim against you.

Your rates are based on the information you provide them. Providing incomplete information can see your policy cancelled when you need it.
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