People who get involved in more than one accident are risky drivers their fault or not. It’s something where, how or times you drive.
Don't like No Fault Auto Insurance
- Thread starter George7941
- Start date
A family member was sitting still in a line at a toll booth. A car came up behind him and pushed him into the car in front of him causing some minor damage. Even though it was 0 the fault of my relative the insurance company gave him a massive price increase because of the incident.
This sounds like a way to justify increasing premiums for no reason. That is beyond deplorable.
You only need to report to the police if its over $2000 damage, or someone is injured. I don't find anywhere in the highway traffic act that says you need to report a small accident to your insurance company? Your agreement with the insurance company asks to be informed, but if no one makes a claim, I don't know how they would know? It seems the police don't inform your insurance company, otherwise why are they asking me to inform them?
Maybe not a great idea, but we have a few dents in our cars from various "collisions" like my wife backing into my car in our driveway. But if we get in a serious accident, bad enough to make a claim, I doubt anyone is going to go over our car looking for a pre-existing dent? I think I would only be committing fraud if I asked insurance to cover the repair of the pre-existing dent in an unrelated claim? So I won't do that.
I wonder how wear and tear/damage is covered in farm trucks? If you put a bit of a dent in your tailgate, and don't report it to the police or notify your insurance company, who cares? I guess if an insurance company did deny future serious claims, or raised premiums, from stuff like that, then word would travel fast, and locally that broker would lose some business pretty quick?
I have been over this but I will repeat. Once the other driver decided he wants his insurance company to cover his damages, he set in motion a series of events.
The other driver reports the accident to the Collision Reporting Centre
Collision Centre contacts me and I have to report to the Collision Centre
Collision Centre sends copies of their report to both insurance companies
My insurance company finds out and requires me to file a report with them on the accident.
I end up with a (not at fault) claim on my record.
I have no choice as to whether my insurance company gets involved or not. They will get involved
What happens if you don't report to the Collision Reporting Centre?
The Collision Centre will still write up a report on the accident, with no input from me, and forward copies of the report to both insurance companies. Given that the report is going to be generated anyway, it is better that my version of the events is considered in the formulation of the report.
When I reported to the Centre, they looked at where my truck was hit. It was on the rear bumper, leaving not much doubt as to who was at fault.
No Fault insurance schemes are the worst! In theory, they work when everyone who is required to carry insurance, carries insurance. Well, if you don't live under a rock, you know a large, and growing, part of our population does not carry insurance, or have a license for that matter. No fault systems only hurt those who actually have insurance. My daughter was in a wreck with an uninsured driver. Total payout from her insurance was over 50k. Being in LE for over 20 years, I had a chance to chat up the attorney for her insurance company. I mentioned subrogation. He laughed and said they won't even try as it's futile to try and collect for virtually anything under 100k, and even then, they rarely collect much of the claim. My advice to all is to carry the maximum amount of uninsured coverage you can.
Are they increasing your rates? If not it doesn't matter right?
No it's not. get involved in too many fender benders and you won't get insurance at all, and are effectively banned from driving.
A lot of today's 'systems' encourage irresponsible behavior.....some actually reward it.
That's when you switch carriers. If they wanted to know why, which they won't, you tell them it's solely because of that policy. In the end though, they won't care....
This backs up what I have been saying. Even if you are at zero percent fault for an accident, it still costs your insurance company money to fix your vehicle and the at fault party does not have to contribute anything towards it. It encourages irresponsible behaviour, the very hallmark of socialism.
The theory behind no-fault auto coverage is a good one that is rarely implemented well in practice.
When you have a transportation system that requires individually owned and operated vehicles you're going to have accidents. A simple fact of life.
Rather than worrying about who's at fault why not just have a system where your insurance covers your damages and my insurance covers mine?
Of course, the devil lies in the details and the actual implementations of this idea have often resulted in higher rates for all drivers regardless of their driving history.
When you have a transportation system that requires individually owned and operated vehicles you're going to have accidents. A simple fact of life.
Rather than worrying about who's at fault why not just have a system where your insurance covers your damages and my insurance covers mine?
Of course, the devil lies in the details and the actual implementations of this idea have often resulted in higher rates for all drivers regardless of their driving history.
It could be worse,
How about No drivers license,
No permanent address,
No insurance,
Not a citizen,
Unregistered vehicle/stolen/swapped plate??
Now who pays?
How about No drivers license,
No permanent address,
No insurance,
Not a citizen,
Unregistered vehicle/stolen/swapped plate??
Now who pays?
Yea, we all pay for dishonest people. That's why you get a bunch of uninsured driver insurance as recommended above. It's illegal in Michigan to drive without insurance, yet more than 20% of drivers here have no insurance. I sure wish they would crack down on it. My wife has debilitating injuries from a cross-the-centerline uninsured, unlicensed driver 18 years ago. Sigh.
https://www.valuepenguin.com/auto-insurance/uninsured-motorist-statistics#heatmap
Take the advice or not.
It's weird that you say this. I was watching a show called Canadas Worst Driver. People nominate family or friends for the show. I couldn't believe that on national television how many accidents some of these people had, yet still had a license. In the USA they'd have a revoked license. One lady from Newfoundland said she had a third part time job just to cover the expenses of hitting so many vehicles.
Patman
Staff member
I don’t believe that is how it works. If you are found 0% at fault I still think that it’s the at fault person whose insurance company pays for everyone’s repairs
No fault states always have the highest insurance average cost and the lowest participation rate, see Michigan for good examples.
An in law was hit by an un-insured un-documented driver several years ago. It was bad...docs told him they were surprised he lived.
Fortunately he made a full recovery.
