Hi, Guest
07-06-2010, 07:23 AM
(07-06-2010, 03:27 AM)GFXjamie Wrote: i do believe here in ontario we have no fault insurance, meaning theyre insurance foots their repair and your insurance pays yours unless there was a law suit involved where you sue for damages. also if your not at fault then you will not see your premiums rise either
This is basically correct ... in more detail it works like this ... if the two insurance companies agree that there is a clear-cut person at fault, their insurance pays for both repairs and there could be implications for their premiums.
This is what happened when our neighbour backed into my wife's car. He didn't think it was his fault, but that counted for nothing when his insurance company chose to reimburse our insurance company for the cost of the repair ... which btw looked like nothing but ended up costing 2300.
But where there is no clear-cut at fault, and no charges were laid by the police ... it doesn't pay for anyone to fight over who might be at fault ... the cost of fighting that battle is usually greater than the cost of repairs ... so the two companies simply agree to pay for their respective policy holder's repair.
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2003 Focus ZX5 infra-red Track Rat - R*I*P
2003 ZX5 CD Silver Track Rat - retired, but still in the driveway
New track rat: 2000 ZX3, Atlantic Blue * JRSC with lots more to come
* New Zetec crate motor - NFG - thanks Topspeed *