Highway incident and insurance report

Moderators: Reflections, admin, hwybear, Radar Identified, Decatur, bend

sg84
Newbie
Newbie
Posts: 7
Joined:

Highway incident and insurance report

Unread post by sg84 on

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?


curiousottman
Newbie
Newbie
Posts: 14
Joined:

Unread post by curiousottman on

This happened to my friend's daughter. No other cars involved and she struck a guard rail. The province sent her insurance a bill for the damage so they found out.


sg84
Newbie
Newbie
Posts: 7
Joined:

Unread post by sg84 on

so it would be best to let insurance know even though no claim will be made?


cibinv
Newbie
Newbie
Posts: 14
Joined:

Unread post by cibinv on

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.


bend
Moderator
Moderator
Posts: 1152
Joined:

Posting Awards

Moderator

Unread post by bend on

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.


sg84
Newbie
Newbie
Posts: 7
Joined:

Unread post by sg84 on



curiousottman
Newbie
Newbie
Posts: 14
Joined:

Unread post by curiousottman on

I would roll the dice; if the guard rail isn't damaged, your insurance company won't find out.

As we all know insurance companies are all evil. So why give them a leg up?






Post Reply

Return to “General Talk”