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

Unread post by: **ValMich** on

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

Quote

Unread post by: ValMich on
Fri Sep 14, 2012 2:47 pm

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?

Unread post by: **OPS Copper** on

Quote

Unread post by: OPS Copper on
Fri Sep 14, 2012 3:01 pm

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

OPS

Unread post by: **ValMich** on

Quote

Unread post by: ValMich on
Fri Sep 14, 2012 3:18 pm

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.

Unread post by: **Decatur** on

Quote

Unread post by: Decatur on
Sat Sep 15, 2012 10:59 am

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

Unread post by: **daggx** on

Quote

Unread post by: daggx on
Sat Sep 15, 2012 5:14 pm

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.

Unread post by: **codysalvick** on

Quote

Unread post by: codysalvick on
Wed Sep 26, 2012 12:28 am

You should call the police. Theyll 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. Thats what they pay you for.

Unread post by: **CliffClaven** on

Quote

Unread post by: CliffClaven on
Wed Sep 26, 2012 10:37 am

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.

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

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

Re: Not at-fault, not using insurance - need multiple quotes

Re: Not at-fault, not using insurance - need multiple quotes

Posting Awards

Moderator

Re: Not at-fault, not using insurance - need multiple quotes

Posting Awards

Re: Not at-fault, not using insurance - need multiple quotes

Re: Not at-fault, not using insurance - need multiple quotes

Re: Not at-fault, not using insurance - need multiple quotes

Who is online