I Hate Insurance
03-Feb-2004, 12:57 PM
#1
Registered User
Thread Starter
Join Date: Mar 2003
Location: brampton
Posts: 1,033
I Hate Insurance
ok today i got a canada post expreess letter from certas. tehy terminated my insurance..those *****....i called up and figure out why?..they said i have 2 AT FAULT ACCIDENTS....1stly i was invloved in 2 accidents but both were determined not my fault period, 1st accident was weather related OPP even said so, way up north and envolved only my moms car adn her own policy...the 2nd was recently with my quick cx...and insurance just told me i was found NOT at fault...cause it was a several vehicle accident and i was the *** end of it all...and was unavoidable...but then the service guy tells me its cause the police don't determine whos at fault its the insurance company...and the guy told me pretty much any accident i am in regadrless if i was completly not at fault, i will be founf guilty by CERTAS....so they cancelled my policy......why am i being punished because of this i put no claims in nothing and only have 1 15 k over speeding ticket from 2 years ago.....WHAT THE ****???????
03-Feb-2004, 02:19 PM
#3
Registered User
Join Date: Jun 2002
Posts: 414
The ins industry is pro-actively eliminating "high risk" contracts from their client base. Besides fraud prevention, this is one of the most effective way of keeping the premiums down in the indusrty.
Looks like you are just a victim of this policy. Good luck with new ins company.
peace
Looks like you are just a victim of this policy. Good luck with new ins company.
peace
03-Feb-2004, 02:46 PM
#5
Guest
Posts: n/a
i'd call their ombudsman..
imo, if you weren't at fault (as per cops/legal system..ergo HTA, which is a provincial act) they have no right to say you were..sounds like BS to me..
judges are appointed, not hired by an insurance company
get it in writing too that that's what their excuse is..it might come in handy....
btw...easy on the language please...
imo, if you weren't at fault (as per cops/legal system..ergo HTA, which is a provincial act) they have no right to say you were..sounds like BS to me..
judges are appointed, not hired by an insurance company
get it in writing too that that's what their excuse is..it might come in handy....
btw...easy on the language please...
03-Feb-2004, 06:11 PM
#9
Senior Member
Join Date: Dec 2003
Posts: 23,881
if u rear ended people you are gonna be found at fault pretty much regardless of anything else (except maybe the car you hit was driven by an impaired driver or u were cut off with witness proof)...when I got t-boned on a left turn it was gonna be my fault until the breathalizer came out and the guy that smoked me blew an impaired reading and he was charged
but basically anytime u rear end somebody or get hit making a left or exiting a driveway ur gonna be held at fault...cuz rear enders are avoidable if you are traveling a safe distance from the car infront (2 second rule...longer for bad weather conditions)
but basically anytime u rear end somebody or get hit making a left or exiting a driveway ur gonna be held at fault...cuz rear enders are avoidable if you are traveling a safe distance from the car infront (2 second rule...longer for bad weather conditions)
04-Feb-2004, 12:57 PM
#13
Registered User
Join Date: Mar 2003
Location: Oakville
Posts: 183
I work for Certas/personal I used to be a physical damage claims adviosr and am currently being trainned for Accident benefits......i wish people would get a little more educated about insurance and how it works before you post how crapy we are.....1st of all..we dont care what police say...if you slide due to weather conditions and hit something..you are still at fault. Multi veh accident tend to go 50/50 if we cannot determine the exact cause. Look under the fault determination rules set out by the superintendent of insurance..can be found at ibc.ca...you no longer qualify for insurance through certas as you are now in the facility market due to you AT FAULT accidents...Certas does not insure anyone in this market as it is a high risk market...good luck..and instead of blaming the insurance co's for your problems try looking at yourself! thnks
04-Feb-2004, 05:26 PM
#14
Registered User
Thread Starter
Join Date: Mar 2003
Location: brampton
Posts: 1,033
myself?...you guys are crooks..period i have been a professional defensive driver for the canadian military and gone to civilian driving schools....niether of the accidents were avoidable unless i was doin 50 k and keeping 20 metres back or somthing when someones car smashes someone and spins into me, thast obviously my bad driving?...whats teh point of an insurance company?...to help me?..well good job their doing...not once have they helped me...the second an accident occurs invloving me they drop me and cancel my policy?....it would cheaper for me to drive with no insurance and just pay the 5000$ fine when i get caugt obviously i won't do that....but don't tell me i should look at myself...just because its a rear end collision means what?...nothing. were you guys there? you ppl generalize and i can't even belive they get away with teh discrimination because i am male i get screwed cause i am 19 i get screwed cause i drive a honda i get screwed...why?...cause of unfair generalization..i'm sure your bosses aren't driving a 82 oldsmobile...they are making a killing off of us....not my fault period not at all...insurance is bull...you guys are just ,making up for the liberals freezing rates by eliminating any 'high risk' drivers....high risk my ***....cause i was at the wrong place at wrong time
04-Feb-2004, 06:01 PM
#16
Registered User
Join Date: Apr 2002
Location: in the MOSH pit
Posts: 5,550
Ontario car insurance is pure bullshyte.
In Austrailia they have no car insurance, and people pay for damages out of pocket. It ends up being cheaper.
Assuming I drive for 40 years with no accidents and I pay $100 a month for insurance and I have no accidents or claims, I'm out $48,000... for what?
Let say i have an accident, an the insurance company jacks up my rates to $400 a month. But thats not the worst thing, I have to pay that increased rate as long as accident is on my record, which would be 6 years. I end up paying $400 a month for 6 years which works out to $28,800 for lets say wrecking a car that the insurance company is going to argue through the nose that is only work $5,000. What sense does that make?
If I get in an accident or have a claim, they jack up my rates.
When ever an accident happens, someone is gonna get screwed by an insurance company.
I know this is the policy, but how ghey is that?
If i travel at 20 kms and hour and stay 20 meters behind and I hydro plane into someone, its still my fault? thats simply retarded and defies logic. I suppose you would say, i should have stayed home instead of going out if I know the weather is bad.
If thats the case, why the hell do I need your insurance in the first place?
Insurance is supposed to represent protection and security. Its designed to give a sense of certainty that in case anything happens I will be protected.
Does insurance function like that? I think not, people fear their insurance companies. They're afraid to report anything, and anyone that has had a claim always thinks twice before filing another. It most cases people fear the repercussions from the insurance company more than the immediate physical repercussions of an accident. As a result you see many people settling accidents outside of insurance.
Even if you have an accident or make a claim, and its not your fault. The insurance companies keep that information on file so that if you ever do screw up they can use it against you.
Insurance companies represent fear and uncertainty to drivers. I think most people carry insurance not because they fear getting into an accident, but rather they fear the repercussions of not having insurance if they get caught by police. But in many cases as quick cx stated, driver without insurance and taking a ticket twice a year has a better economic benefit that carrying insurance.
How do you trust someone who you know is gonna screw you over?
The bottom line, is that I think very few people have any love for their insurance company.
Go and eat your humble pie mother ******.
In Austrailia they have no car insurance, and people pay for damages out of pocket. It ends up being cheaper.
Assuming I drive for 40 years with no accidents and I pay $100 a month for insurance and I have no accidents or claims, I'm out $48,000... for what?
Let say i have an accident, an the insurance company jacks up my rates to $400 a month. But thats not the worst thing, I have to pay that increased rate as long as accident is on my record, which would be 6 years. I end up paying $400 a month for 6 years which works out to $28,800 for lets say wrecking a car that the insurance company is going to argue through the nose that is only work $5,000. What sense does that make?
If I get in an accident or have a claim, they jack up my rates.
When ever an accident happens, someone is gonna get screwed by an insurance company.
Originally posted by cikvic
1st of all..we dont care what police say...if you slide due to weather conditions and hit something..you are still at fault.
1st of all..we dont care what police say...if you slide due to weather conditions and hit something..you are still at fault.
If i travel at 20 kms and hour and stay 20 meters behind and I hydro plane into someone, its still my fault? thats simply retarded and defies logic. I suppose you would say, i should have stayed home instead of going out if I know the weather is bad.
If thats the case, why the hell do I need your insurance in the first place?
Insurance is supposed to represent protection and security. Its designed to give a sense of certainty that in case anything happens I will be protected.
Does insurance function like that? I think not, people fear their insurance companies. They're afraid to report anything, and anyone that has had a claim always thinks twice before filing another. It most cases people fear the repercussions from the insurance company more than the immediate physical repercussions of an accident. As a result you see many people settling accidents outside of insurance.
Even if you have an accident or make a claim, and its not your fault. The insurance companies keep that information on file so that if you ever do screw up they can use it against you.
Insurance companies represent fear and uncertainty to drivers. I think most people carry insurance not because they fear getting into an accident, but rather they fear the repercussions of not having insurance if they get caught by police. But in many cases as quick cx stated, driver without insurance and taking a ticket twice a year has a better economic benefit that carrying insurance.
How do you trust someone who you know is gonna screw you over?
The bottom line, is that I think very few people have any love for their insurance company.
Go and eat your humble pie mother ******.
10-Feb-2004, 01:28 PM
#17
Registered User
Join Date: Mar 2003
Posts: 389
Originally posted by JookSingKid
Ontario car insurance is pure bullshyte.
In Austrailia they have no car insurance, and people pay for damages out of pocket. It ends up being cheaper.
Assuming I drive for 40 years with no accidents and I pay $100 a month for insurance and I have no accidents or claims, I'm out $48,000... for what?
Let say i have an accident, an the insurance company jacks up my rates to $400 a month. But thats not the worst thing, I have to pay that increased rate as long as accident is on my record, which would be 6 years. I end up paying $400 a month for 6 years which works out to $28,800 for lets say wrecking a car that the insurance company is going to argue through the nose that is only work $5,000. What sense does that make?
If I get in an accident or have a claim, they jack up my rates.
When ever an accident happens, someone is gonna get screwed by an insurance company.
I know this is the policy, but how ghey is that?
If i travel at 20 kms and hour and stay 20 meters behind and I hydro plane into someone, its still my fault? thats simply retarded and defies logic. I suppose you would say, i should have stayed home instead of going out if I know the weather is bad.
If thats the case, why the hell do I need your insurance in the first place?
Insurance is supposed to represent protection and security. Its designed to give a sense of certainty that in case anything happens I will be protected.
Does insurance function like that? I think not, people fear their insurance companies. They're afraid to report anything, and anyone that has had a claim always thinks twice before filing another. It most cases people fear the repercussions from the insurance company more than the immediate physical repercussions of an accident. As a result you see many people settling accidents outside of insurance.
Even if you have an accident or make a claim, and its not your fault. The insurance companies keep that information on file so that if you ever do screw up they can use it against you.
Insurance companies represent fear and uncertainty to drivers. I think most people carry insurance not because they fear getting into an accident, but rather they fear the repercussions of not having insurance if they get caught by police. But in many cases as quick cx stated, driver without insurance and taking a ticket twice a year has a better economic benefit that carrying insurance.
How do you trust someone who you know is gonna screw you over?
The bottom line, is that I think very few people have any love for their insurance company.
Go and eat your humble pie mother ******.
Ontario car insurance is pure bullshyte.
In Austrailia they have no car insurance, and people pay for damages out of pocket. It ends up being cheaper.
Assuming I drive for 40 years with no accidents and I pay $100 a month for insurance and I have no accidents or claims, I'm out $48,000... for what?
Let say i have an accident, an the insurance company jacks up my rates to $400 a month. But thats not the worst thing, I have to pay that increased rate as long as accident is on my record, which would be 6 years. I end up paying $400 a month for 6 years which works out to $28,800 for lets say wrecking a car that the insurance company is going to argue through the nose that is only work $5,000. What sense does that make?
If I get in an accident or have a claim, they jack up my rates.
When ever an accident happens, someone is gonna get screwed by an insurance company.
I know this is the policy, but how ghey is that?
If i travel at 20 kms and hour and stay 20 meters behind and I hydro plane into someone, its still my fault? thats simply retarded and defies logic. I suppose you would say, i should have stayed home instead of going out if I know the weather is bad.
If thats the case, why the hell do I need your insurance in the first place?
Insurance is supposed to represent protection and security. Its designed to give a sense of certainty that in case anything happens I will be protected.
Does insurance function like that? I think not, people fear their insurance companies. They're afraid to report anything, and anyone that has had a claim always thinks twice before filing another. It most cases people fear the repercussions from the insurance company more than the immediate physical repercussions of an accident. As a result you see many people settling accidents outside of insurance.
Even if you have an accident or make a claim, and its not your fault. The insurance companies keep that information on file so that if you ever do screw up they can use it against you.
Insurance companies represent fear and uncertainty to drivers. I think most people carry insurance not because they fear getting into an accident, but rather they fear the repercussions of not having insurance if they get caught by police. But in many cases as quick cx stated, driver without insurance and taking a ticket twice a year has a better economic benefit that carrying insurance.
How do you trust someone who you know is gonna screw you over?
The bottom line, is that I think very few people have any love for their insurance company.
Go and eat your humble pie mother ******.
So, In Australia, when you hit someone and they are injured, or lets say you kill someone while in your vehicle, and you get sued, who would cover your liability? Canada has probablyt the best Insurance system because insurance is mandatory. If you get injured or injure someone while in an accident, at least your liability coverage is mandated and you have some protection. I'm a litigation adjuster and believe me, if you were to get sued and you had no insurance, it would likely ruin your life.
13-Feb-2004, 08:31 PM
#18
Senior Member
Join Date: May 2003
Location: Ontario
Posts: 18,367
I just found out that in a very short amount of time, I will receive a letter from my insurance cancelling my policy. 2 at fault accident in less than 5 years. Even last one was 50%, but still. It happened on the worst snow day of this year to date, Jan 27th and I was unfortunately involved in it.
Believe me, I rather stayed home that day than go to work, but when I left the house, it wasn't snowing! It started half way. What can I say...
Well, now I am looking for facility insurance company and not sure how my rates will be, but it ain't gonna be a pretty sight, that's for sure. I understand that we need to obey the law by having a valid insurance but I still don't understand the rate at which it is increasing.
Everyone wishes to get a yearly review and a minor 3% raise but nope. However, insurance can just bump the rate by 20% and call it a day. Whether you like it or not, there you go. I see the point from both sides but I think an increase after At Fault accident is totally understandable. But increase of 40% in just one year because of a NON-At Fault report seems a little crazy to me.
Just wondering, if a police catches you driving without insurance, how much is the fine gonna be?
Believe me, I rather stayed home that day than go to work, but when I left the house, it wasn't snowing! It started half way. What can I say...
Well, now I am looking for facility insurance company and not sure how my rates will be, but it ain't gonna be a pretty sight, that's for sure. I understand that we need to obey the law by having a valid insurance but I still don't understand the rate at which it is increasing.
Everyone wishes to get a yearly review and a minor 3% raise but nope. However, insurance can just bump the rate by 20% and call it a day. Whether you like it or not, there you go. I see the point from both sides but I think an increase after At Fault accident is totally understandable. But increase of 40% in just one year because of a NON-At Fault report seems a little crazy to me.
Just wondering, if a police catches you driving without insurance, how much is the fine gonna be?
16-Feb-2004, 02:08 PM
#20
Registered User
Join Date: Jan 2003
Location: on a race track
Posts: 17,846
while I see both sides of the arguement in this case ... (I'm going to get shot for saying this but what the hell)
I'd have to agree with the insurance dudes on this... basically they are following the rules for determining fault as laid down by the government ... compassion you ask for? it was snowing or bad weather out you say? ok so it was bad weather .... but your not going to see compassion from a company .. when was the last time you didn't pay your credit card bill and got a "ohh thats ok..." from them...
as for raised rates .. again perfectly within the law for them to do ...
as for driving and avoiding these "at fault" accidents... it's simple...
don't be like every yahoo I see around where they have all forgotten about weather conditions... seriously when it's heavy snow fall on the 401 and it's blanketed in snow and ice with no signs of plows should you be 20 meters fromt he guy in front of you? hell no 50 or 60 meters (not feet here) back at least .. yeah so you go slow and take longer to get somewhere.... leave yourself more time and you'll be fine...
seriously the rules are simple for bad weather driving...
1) if you don't have to then don't stay home
2) if you have to go out consider public transit
follow the rest if public transit is messed up....
3) leave so much space the guy infront can't been seen (because of the snow/ rain)
4) drive only fast enough that you can stop in the range of your vision ....
5) leave tons and tons of time to get somewhere...
there have been times where it rained hard enough that I did around 20km/h on the 401.... there have been times where it snowed hard enough I cancelled the plans I had for that day...
drive with caution leave so much space you feel like an old granny driving and you'll avoid 50% of the accidents... the other accidents are the ones where your not at fault...
I'd have to agree with the insurance dudes on this... basically they are following the rules for determining fault as laid down by the government ... compassion you ask for? it was snowing or bad weather out you say? ok so it was bad weather .... but your not going to see compassion from a company .. when was the last time you didn't pay your credit card bill and got a "ohh thats ok..." from them...
as for raised rates .. again perfectly within the law for them to do ...
as for driving and avoiding these "at fault" accidents... it's simple...
don't be like every yahoo I see around where they have all forgotten about weather conditions... seriously when it's heavy snow fall on the 401 and it's blanketed in snow and ice with no signs of plows should you be 20 meters fromt he guy in front of you? hell no 50 or 60 meters (not feet here) back at least .. yeah so you go slow and take longer to get somewhere.... leave yourself more time and you'll be fine...
seriously the rules are simple for bad weather driving...
1) if you don't have to then don't stay home
2) if you have to go out consider public transit
follow the rest if public transit is messed up....
3) leave so much space the guy infront can't been seen (because of the snow/ rain)
4) drive only fast enough that you can stop in the range of your vision ....
5) leave tons and tons of time to get somewhere...
there have been times where it rained hard enough that I did around 20km/h on the 401.... there have been times where it snowed hard enough I cancelled the plans I had for that day...
drive with caution leave so much space you feel like an old granny driving and you'll avoid 50% of the accidents... the other accidents are the ones where your not at fault...
