tuttle

If this is his 3rd accident then why would you want to help her out? She obviously doesn't pay attention when she drives and needs to really learn her lesson before she kills someone.

k1e1v1i1n

i would keep the insurance company out of the loop anyone can say it wasnt ur fault and ur rates wont go up but that dont know . i wrote off a car on my dads insurance and then 2 years later he pulled into a parking spot with a empty car and left with a full car , the car sagged and caught the bumper on 1 of those parking lot parking blocks . his insurance jumped through the roof cause it was his second clame , also my friend had his airbags stolen a year after his sterio was taken and they didnt cover them . insurance comapnys can do whatever they want to whoever they want at any time .

FiveO

That may be your opinion but it no factual backing whatsoever. The Insurance Act of Ontario is the law that governs how insurance companies must treat their customers, including assignation of fault in the event of a collision for insurance claim purposes.

The Financial Services Commission of Ontario is the government regulatory body that polices the insurance companies and has final say over the rates that they are allowed to charge, any surcharges that they can apply, and the conditions by which they may do so.

The auto insurance business in Ontario is the most heavily regulated insurance jurisdiction in North America. They can't do what they want. They can't raise rates without government approval, and they can't even lower them without government approval.

If this guy was rear-ended, he is completely not at fault and has NOTHING to worry about in making a claim.

rick10

do you have pics. I really dont see 3000 in damges on a car that you can still drive it.

D.T.P

there is a great chance that the frame might be bent/shifted. therefore the fix on that would be way more than just few metal panels.

k1e1v1i1n

for some reason u think there not out to get us ? any time the government takes over insurance its cheeper and the government waists more money doing the same job.

eshock

I wasn't able to take pictures at this point in time so I will let everyone know the outcome of this... I called my insurance company today to give me an update on what is going on however they said they dont have the claim YET from the collision people and to try again tomorrow. If they don't have it tomorrow I will be angry as hell because I want this either a) fixed or b) my car replaced!

Wish me luck everyone

If it gets written off ill let everyone know how much im getting, at the same time ill argue for more I got a couple tips from a teacher of mine today so hopefully it helps. I know its not a civic but im feeling the Mazda 3 or Toyota Celica, but what would you guys recommend, nothing too new and nothing too old... between 01-04.... still can be a civic obviously as they're great, but I had a neon before, sold it because of too many problems, so now I have the honda which is damaged like crap in the back, and maybe looking into something different.

eshock

Although its front end, could an excuse be made up for my exhaust manifold being cracked from this? I doubt it... but it is cracked

FiveO

They're not out to get us. That's your paranoia speaking together with your ignorance on the subject.

As per "government-run insurance", you're comparing apples to oranges. In every province with government-run insurance schemes, not one is entirely self-funding from the insurance premiums collected from drivers and car owners. They all run at a loss.

The government ends up subsidizing that loss from general tax revenue. Somebody who doesn't drive or even own a car ends up paying a portion of their taxes into the auto insurance fund because the government lacks the ***** to price their auto insurance rates at the true cost of doing business.

More apples and oranges, GTA insurance rates reflect it having one of the highest traffic densities in North America which in turn feeds a high rate of collision claims stemming from all that traffic interaction. Once you get further away from the GTA, insurance rates in Ontario are very close to what you will find in other provinces.

Back to more apples and oranges, Ontario's minimum required insurance coverage and benefits package is a lot higher than in many other provinces. In Quebec you need only $50,000 in third party liability coverage, while in Ontario the minimum is $200,000 with most insurers recommending $1 million and even $2 million these days. If you finance or lease a car, most lenders will insist on at least $1 million of liability coverage and some even want $2 million in coverage.

You do know what third party liability is, right? You hurt someone and they sue you. Your insurance company will pay if you lose up to the limit of your liability coverage. After that, the people who won come after you for as long as it takes to get every last cent owing. Quebec's $50,000 minimum won't go very far when that happens - it won't even be enough to pay for that mid-level SUV you ran off the road, let alone any medical care or loss of income damages suffered by its passengers.

By the way, Quebec's government-run insurance is only partial. It covers you only for personal accident benefits. For collision and liability coverage you have to go to private insurers. Also, rates in Quebec have been skyrocketing in recent years as the government finally tries to pass the full cost of insurance on to the people who actually benefit from it - drivers and car owners.

k1e1v1i1n

ok u win , but i still dont like it . u can call me names all u want but i still think they will continue to stick us for as much as they can untill the gov steps in .

FiveO

The government "stepped in" to regulate rates and corporate behaviour a very long time ago, long before you were even born.

Insurance companies don't make a lot of money off car insurance. Every $ they collect in premiums is offset by the amount they have to pay right back out in collision damage and medical claims. If they're lucky they might break even. Over the last 20 years, most insurers operating in the Ontario market have lost money in more years than not on their car insurance business.

For some insurance companies, car insurance is a loss leader. They make their money off lines of business that are not regulated by government, such life, property, and business insurance. The car insurance line brings in customers for their other lines of business.

They're also in competition with each other. That provides strong incentive for them to keep rates for good drivers as low as possible to attract that kind of lower risk customer, and to provide fair and honest service so they can keep those customers once they have them. They generally want to attract customers, not drive them off to other insurers. As long as you abide by the terms of your insurance contract and not try to "stick it" to them through fraud or misrepresentation, they won't stick it to you.

eshock

The insurance company now has my claim after I called and they said they didn't get anything from the collision people, I filed one. Also complained of back pain and they have another person who will call me back tomorrow afternoon. I really hope its right off in terms of damage amounts, I want to get a line of credit and transfer my existing debt to that plus take whatever I can get as a down payment then finance a newer vehicle and just pay off monthly installments for everything.

jimmo

The insurance company will try and save it from being written off by sourcing used and/or aftermarket parts if they haven't already. It sound's like it will probably be written off.

Some insurance companies will not allow you to buy back your vehicle. It doesn't usually go to the junk yard, it will go to an auction and be sold through them. So if you are interested in buying it back you would want to talk to your insurance company. Another think is if it goes to the junkyard and you buy it from their it is now branded as a write off. It will cost you another $500 at least to remove that after the repair is completed. It can sometimes work out better when they write them off and you buy them back. We had a grand am written off for $1800 damage, customer got payed out $3000, bought it back for $800 and was able to get a few more things fixed!

It doesn't always work out like that so don't get your hopes up!

eshock

i wouldn't buy it back, the people who will appraise it will see my engine light on and probably note the cracked exhaust manifold and lower the value so I can picture it in this sense as being a write off... hopefully because I want an 04 something... something that is newer.

eshock

well in the end it doesn't seem like it will be a write off because they dont go by the blue book value anymore, they go by values of the car on autotrader.... which sucks because i wanted a new car... but oh well

Trybal

Maybe they will give you the repair $$, then you can part out the car or sell it.