Our website is made possible by displaying online advertisements to our visitors.
Please consider supporting us by disabling your ad blocker.

Ontario Highway Traffic Act

Discuss the Ontario Highway Traffic Act.


Post Your Traffic Ticket, and Get Help!


The Ontario Traffic Ticket Forum!


All times are UTC - 5 hours [ DST ]




Post new topic Reply to topic  [ 6 posts ] 
Check It Out
No unread posts New Set Fines Starting Sept 1st, 2015! Read and Learn Here.
  Print view

Report or..not report?
Author Message
PostPosted: Thu Nov 27, 2014 7:42 pm 
Offline
Newbie

Joined: Mon Oct 28, 2013 4:18 pm
Posts: 12
Greetings.

I was going westbound on Dupont street in a slow traffic when the other guy on the right lane flew past me, shifted in my lane and sideswept me.

My damage is on passenger side fender only, he got deep scratch on his very back driver side(but not on the side only).

My damage is under a thousand dollars, but the guy declines to pay anything claims its my fault, "there is a witness i speed up to hit him". Also keeps saying i "rearended him", when i really didnt.

I did go to collision centre. Whats my best course of action about insurance? It makes no sense to claim it since damage is below my deductible, isnt it?
Can i make it worse by not reporting to insurance? I called them to say I got in accident but other party is at fault and i dont want to file claim yet. But they said unless there's no claim- there's no claim.


Top
 Profile  
 
Re: Report or..not report?
PostPosted: Thu Nov 27, 2014 8:18 pm 
Offline
Newbie

Joined: Mon Oct 28, 2013 4:18 pm
Posts: 12
Quote:
but not on the side only

Mistyped- should be "on the side only"


Top
 Profile  
 
Re: Report or..not report?
PostPosted: Thu Nov 27, 2014 8:20 pm 
Offline
Sr. Member

Joined: Mon Nov 29, 2010 8:08 pm
Posts: 550
http://www.e-laws.gov.on.ca/html/regs/e ... 0668_e.htm

Based on fault determination rules the other driver is 100% at fault for side-swiping you... in your own lane. In that case you're not at fault, and wouldn't have to pay the deductible to get your car fixed.

However, if the other driver claims he has a witness and alleges that you rear-ended him. Then that really changes everything, the insurance adjusters from both companies will have to decide who's at fault; if they're unable to agree then it goes 50/50; so the degree you'd found at fault can go from 0 to 100 real quick.

Unfortunately, this is one of those situations where having a dashcam infinitely supports your cause. Especially if he files a false report of getting rear-ended and the video suggests something entirely different; he'd be in a world of hurt.

The problem with filing a claim is you have to weigh the probability that you'll be found at-fault for this collision (+25%); if you are found at-fault, then getting the car fixed for damage <$1000 isn't worth the premium increases you'll be facing for the next few years.

Is the other driver filing a claim? Is he paying to get his own car fixed?


Top
 Profile  
 
Re: Report or..not report?
PostPosted: Thu Nov 27, 2014 10:07 pm 
Offline
Newbie

Joined: Mon Oct 28, 2013 4:18 pm
Posts: 12
Other driver says i rear ended him but there is no damage on his bumper. It is all on drivers side and i made picture of that.

I did have dash cam, it was off first and only day in like a year :( I took memory card out to quickly use somewhere else and didnt put it back.

Thanks for your input in regards to the premium.


Top
 Profile  
 
Re: Report or..not report?
PostPosted: Sat Jan 24, 2015 6:47 pm 
Offline
Newbie

Joined: Mon Oct 28, 2013 4:18 pm
Posts: 12
Just to end this story- this guy made a claim, brought a witness with him, and still lost. They tried to lie i rear-ended him but neither insurance company found any rear end damage. Therefore im 0% liable, and this guy got 100%..


The question now- would that be possible to somehow talk insurance into not repairing my car and getting discount for next year instead?


Top
 Profile  
 
Re: Report or..not report?
PostPosted: Sat Jan 24, 2015 7:32 pm 
Offline
Sr. Member

Joined: Wed Mar 30, 2011 1:08 pm
Posts: 536
Location: Ontario
Always happy to hear when someone gets what they deserve. They're not going to give you a discount. Best you can do is take a cheque for what they call the fair market cost of repair to the car not spend it.


Top
 Profile  
 
Display posts from previous:  Sort by  
Post new topic Reply to topic  [ 6 posts ] 

All times are UTC - 5 hours [ DST ]


Related topics
 Topics   Author   Replies   Views   Last post 
There are no new unread posts for this topic. Should I or should I not report him?

rmwang

7

1346

Tue Aug 26, 2014 1:47 pm

Stanton View the latest post

There are no new unread posts for this topic. Failing to report

AI

2

2702

Thu Dec 01, 2011 10:24 pm

Time Lord View the latest post

There are no new unread posts for this topic. Attachment(s) Accident Report Help

bluesnow

3

1180

Fri Jan 20, 2012 9:06 pm

manwithaplan View the latest post

There are no new unread posts for this topic. failure to report

moritc

0

318

Tue Jun 04, 2013 5:33 pm

moritc View the latest post

There are no new unread posts for this topic. Accident report

Anonym

1

803

Wed Oct 09, 2013 4:54 pm

Stanton View the latest post

There are no new unread posts for this topic. Fail to Remain/Report

Snoope

1

3510

Sun Dec 27, 2009 9:27 pm

Radar Identified View the latest post

This topic is locked, you cannot edit posts or make further replies. Failing to report and remain

AI

1

1764

Thu Feb 25, 2010 3:21 am

Reflections View the latest post

There are no new unread posts for this topic. Failing to Report an Accident or Not

nyx

4

3479

Fri Dec 02, 2011 4:28 am

Squishy View the latest post

There are no new unread posts for this topic. Failing to report, After reporting????

Cormacs

7

1454

Thu Jul 07, 2011 6:18 am

hwybear View the latest post

There are no new unread posts for this topic. Fail to report an accident

moritc

0

611

Mon Jun 03, 2013 7:39 pm

moritc View the latest post

There are no new unread posts for this topic. Fail to report at parking lot

kimk

4

8892

Sat Apr 17, 2010 5:27 pm

beleafer81 View the latest post

There are no new unread posts for this topic. Toronto Star's SIU report

BelSlySTi

3

445

Mon Nov 01, 2010 5:47 pm

Radar Identified View the latest post

 


Who is online

Users browsing this forum: Bing [Bot], Google Adsense [Bot] and 2 guests


You cannot post new topics in this forum
You cannot reply to topics in this forum
You cannot edit your posts in this forum
You cannot delete your posts in this forum
You cannot post attachments in this forum

Search for:
Jump to:  
Web Development & Search Engine Optimization
Home | Court Listings | Ontario Traffic Ticket

Copyright 2007 - 2017 © Microtekblue Inc. Web Development & Search Engine Optimization Service. We Support phpBB All Rights Reserved.