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Highway incident and insurance report
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PostPosted: Mon Jan 26, 2015 6:59 pm 
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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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Re: Highway incident and insurance report
PostPosted: Mon Jan 26, 2015 10:27 pm 
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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.


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Re: Highway incident and insurance report
PostPosted: Tue Jan 27, 2015 8:47 am 
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so it would be best to let insurance know even though no claim will be made?


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Re: Highway incident and insurance report
PostPosted: Tue Jan 27, 2015 12:31 pm 
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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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Re: Highway incident and insurance report
PostPosted: Tue Jan 27, 2015 12:46 pm 
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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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Re: Highway incident and insurance report
PostPosted: Tue Jan 27, 2015 3:38 pm 
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http://www.digitalhome.ca/forum/showthread.php?t=128719

According to this it seems there is a way if no claim is made. How did you come to the conclusion there wasn't a way to directly pay it.


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Re: Highway incident and insurance report
PostPosted: Tue Jan 27, 2015 5:08 pm 
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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?


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