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Is there a legal requirement to report an accident to the insurer?

Scenario
- 2 vehicle accident
- each vehicle has less than $1000 damage
- each vehicle has damage roughly equal to insurance deductible
- a police Accident Report was completed

In this scenario the drivers decided to repair their own damages. But are they legally bound to report ...

According to the Insurance Act, if you're planning on filing a claim, you have seven days from the time of the incident to report it. If not, no report is required UNLESS the insurance policy says "you must report all damage or collisions." That's rare, though. Check your policy.

does the accident impact the insurance coverage even if no claim ...

Where did this happen?

Cheers
Viper1

which is stationary for the purpose of taking on or discharging passengers, he or she shall not pass the car or approach nearer than 2 metres measured back from

it did not sound like the streetcar was stopped?


Cheers
Viper1

I was charged 2 days ago with RED LIGHT - FAIL TO STOP and fined $150 and I guess 3 points. I was driving turning left on the intersection with a traffic light, and did it when the light just turned to orange and I didn't have enough time to stop. Once I turned I saw the light turned to red and 2seconds later I saw a police beacon flashing through ...

Long story short, I was in the court today, the JP sentensed me guilty as charged, despite the fact that the sign is INVISIBLE from 60 metres in Summer ( I have shown the pictures that I took) where there are lots of tree brances and leaves, while the law says the signs have to be visible AT ALL TIMES from 60 metres. The ticket was in Winter time ...

Radar Identified wrote:

viper1 wrote:When they tried to get me to agree to a reduced fine
I mentioned about the research I have done the cop went up and told the DA my answer.

Did they drop the charge?

yes they did.

Cheers
Viper1

{If it does go to trial, this is what I'd suggest: Keep a copy of the section you were charged under. You'll get to cross-examine the officer. Ask him to describe where the other traffic was, what you did, etc. Basically you want him to state that there was no traffic for you to yield to, and the road to your right was closed. At that point, read ...

daveEboy wrote:Was pulled over by OPP and found out my insurance had been cancelled for non payment,,,,How screwed am I or can this be beaten or reduced?Any input would be greatly appreciated

Did you ever figure out the reason for cancel?

It will make a big difference.

Cheers
Viper1

"(b) the place where the subject-matter of the proceeding is alleged to have arisen, except in an issue as to the jurisdiction of the court. "

I guess this was what worked.

Back when it was city or town(region now) often the cop would put the wrong city/town. Or bad spelling.
But I remember having to object before the charge was read.(as they ...

Every ticket issued in Ontario that carries a set fine is invalid.

POA s. 8 allows you to settle out of court by paying the set fine.

However, the ticket you were issued informs you that you must pay the total payable.

The total payable includes two additional fines.

One for court costs and one for a victim surcharge.

Both are considered ...

The Supreme Court of Canada ruled in 1987 that cops can stop you for any reason and check documents. However Bear is incorrect when he states there is nothing illegal in them searching your car for any reason. .

Maybe it is time to read, before some knee-jerk response

Here is what I wrote...I'll even put the word you seemed to skip in big ...

This is just more random checking, which will go against our Canadian Charter of Rights.

David Eby, the executive cirector of the B.C. Civil Liberties Association, expressed worry about automatic testing from police.

"Canadians generally have a feeling that the Charter of Rights and Freedoms is a good thing, that being free from arbitrary ...

Hello everybody,

I have a court date scheduled for next week (week of October 5th) for a ticket I received in fall 2008 for failing to stop at a stop sign. Upon receipt of my ticket, I opted to challenge my ticket at trial for two reasons: 1) the location, as it was hand-written on my ticket, does not exist (i.e., on the ticket, the location ...

One last Question if I may... My friend was also charged with no insurance. He does however have another vehicle and insurance..

I'm told there is a grey area there regarding that as it is the driver that is insured and the vehicle is a triviality.

Would the insurance on his other truck somehow be enough evidence that he has a valid policy ...

hibear wrote Thought a "rider" was used when I would rent a vehicle? I pay an extra $25 or something per year for this.

Not sure about the $25.

When you have paid-up insurance," then you buy another car you are covered for up to 14 days"

It is like a rider.(ryder)

You will likely need a copy of your other slip but you are covered on your new ...

The truck should not have been towed.
The driver's insurance would cover him unless he had some other clause.
By him I mean "him"
His insurance will-not cover the other truck.Unless he called his agent
and set it up.(usually they will give you 3-5 days grace)
You don't get a slip it is just a rider to his insurance.

And Yes they can follow onto ...

you are not to pass at any cross-walk.
Anyone could be walking out.

Cheers
Viper1

When charges get withdrawn as officer has "no evidence" it usually means that police officer did not have sufficent evidence for the prosecutor to proceed with your matter.

An example: officer did not make any notes re: the offence and does not recall important particulars.

Thanks now I get it (now) she agreed that there was no red circle with ...

By the way, I went to court yesterday and the counter clerk told me that he can cancel one of the tickets if I agree to pay the other one or that I should take both to court. I didn't like his attitude or his style of delivery so I gave him a fake polite smile (I picked up some bad habits after spending 15 years in Canada :twisted:) and told him ...

My buddy came over for a visit, blocked my driveway and my neighbor had to park on the street (prohibited between 10:00 and 18:00. Recently she received 2 notices of impending conviction for the same offense (the infraction numbers differ by 1), one with a 13:29 time stamp and the other with 13:31 time stamp. Now, the neighbor never received any ...

The charge would have been dropped altogether.

Just curious why did you plea to any charge?
Were charged with both at the same time?

Cheers
Viper1

ticketcombat wrote:It must be a regional thing. I've seen the MTO letters in the mail and I know of people who have been stopped on the road but I have never heard of an officer actually coming to your door to find you.

They used do it for parking tickets in Toronto and gta.
Sunday mornings they delivered them.
My parents got mad at me about it. lol

Cheers
Viper1

What kind of evidence would they need?

I am thinking the bylaw.(where the sign must be posted)

They gave me no chance to ask they just kicked me out of there.

Cheers
Viper1

If it (the flash) was in front of you it was for the other direction traffic.
I saw a funeral escort going through one of those, the thing flashed 10 times.

Cheers
Viper1

I went to court yesterday on this matter.
What an eye opener.
10:30 start I got there at 10:30
I sat at the back and just watched how it was done.
People talked to the DA and automatically got reduced fines to plead guilty.
I did not know that I was supposed to go up and tell them I was there
but I heard my name mentioned so I went up.(all before ...

We all constantly pay taxes at the pumps, stores, property tax etc..... or utility charges of "delivery to you" charges etc....where we have absolutely no control over it and don't complain....

Yet we have complete control over our fate on the roads and all of a sudden when someone gets stopped it is a a tax grab. It is easy to control your own ...

I don't think you need to signal if you are in a lane that clearly indicates it is a turn lane. (what else would you be doing?)

You could be going straight (if the road allows) or wanting to merge back into a through-lane.

Or you could be one of bookm's co-stars and be looking to pull a turn across all lanes of traffic. :shock:

Then you would ...

I hate when the car sales person asks...do you want those optional signal lights installed for $99.99?
A. Why er...yes
Q. For an extra $39.99, would you like the wiring hooked up too
A. yes
Q. For an extra $19.99, would you like a bulb in each lens?
A. Got the wiring, might as well
Great, we'll even toss in a activation handle free ...

They screw you with the by-laws.
It takes time but you can screw them back.