Not at-fault, not using insurance - need multiple quotes?

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

ValMich
Newbie
Newbie
Posts: 2
Joined:

Not at-fault, not using insurance - need multiple quotes?

Unread post by ValMich on

My vehicle was struck in the parking lot at my work. The culprit was determined thanks to surveillance cameras, and she says she doesn't want to go through insurance, but wants to pay out of pocket. I received an estimate from a local body shop where I have had work done in the past, and have a good rapport with. The estimate is just under $1,300. I provided her with this estimate and now she is telling me I have to provide her with two more quotes, and she will choose.

Do I legally need to give her three options? As I am the vehicle owner, is it not my choice who repairs my car?


OPS Copper
Sr. Member
Sr. Member
Posts: 355
Joined:

Unread post by OPS Copper on

She does not like your quote? Ask for her insurance information and let them pay.

OPS


ValMich
Newbie
Newbie
Posts: 2
Joined:

Unread post by ValMich on

Is there any "official"/"legal" literature online stating that I don't have to provide options, that I could forward to her to make this clear to her? She is difficult to deal with, but also works in my department and want to avoid a hostile environment.


User avatar
Decatur
Moderator
Moderator
Posts: 697
Joined:

Posting Awards

Moderator

Unread post by Decatur on

With that damage estimate, this is considered a reportable accident. Was it reported to the police?


daggx
Sr. Member
Sr. Member
Posts: 392
Joined:

Posting Awards

Unread post by daggx on

I would imagine that all the online literature would tell you to file a report and go through your insurance company. If you choose not to do that then you are operating in a grey zone where there are no hard and fast rules. Since she is the one who wants to handle it without the insurance company, and since it sounds like the accident was her fault, she is in no position to be demanding anything. You would be within your rights to tell her that she can accept the estimate you have provided, or you will go through your insurance company and let them handle the situation.


codysalvick
Newbie
Newbie
Posts: 1
Joined:

Unread post by codysalvick on

You should call the police. They’ll prepare a report. Inform your vehicle insurance company and they should be able to take it from there. They should be able to take care of this for you. That’s what they pay you for.


User avatar
CliffClaven
Jr. Member
Jr. Member
Posts: 36
Joined:

Unread post by CliffClaven on

You might find this document to be a useful reference: http://www.ibc.ca/en/car_insurance/docu ... -rules.pdf

It outlines how insurance companies attribute fault in the case of a collision. I believe it applies to both public highways and private property (parking lots).

It was my understanding that the Ontario HTA does not apply to private property such as parking lots.






Post Reply

Return to “General Talk”