Single vehicle bike accident affect car insurance ?



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Thread: Single vehicle bike accident affect car insurance ?

  1. #1

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    Single vehicle bike accident affect car insurance ?

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    Hey guys, so first season with my bike and managed to put it down, right in front of my house doing maybe 10Khm.
    No cuts, bruises or head injuries, protective equipment and all but broke my knee guess that's that

    If I put a claim through my insurance (I only have comprehensive) incase of physio and stuff, will my car insurance go up?
    They're not with the same company

    Thanks guys, and well be safe.
    Glenn

  2. #2

    Re: Single vehicle bike accident affect car insurance ?

    I've heard yes, claim is a claim regardless of vehicle. Plus if you ever hunt for a new company you have to declare it for the next 6ish years.
    14' GROM - Stretched & slammed beast
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    "Don't confuse my attitude with my personality. My personality is who i am, my attitude depends on who you are."

  3. #3

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    Re: Single vehicle bike accident affect car insurance ?

    Yup. An at-fault crash affects you on all vehicles. Glad you are mostly ok.

  4. #4

    Re: Single vehicle bike accident affect car insurance ?

    Ouch, knee injuries hurt.
    The way I read it at least part of your physio will be covered under OHIP -> https://settlement.org/ontario/healt...es-ohip-cover/
    You might want to inquire what treatment consists of before limping right in. Is a shame your horse threw you.

    ... oops just noticed, that happened a while ago, hope you healed well.

  5. #5
    JZ67's Avatar
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    Re: Single vehicle bike accident affect car insurance ?

    I know this is living in a dream world idea, but for ***** and giggles I thought I would throw this out there. Why do we not buy vehicle insurance for an individual and not a vehicle. In other words, I pay for my insurance for me based on my record and regardless of what I drive or how many vehicles I own. I can only operate one vehicle at a time anyway. I know it's crazy and/or wishful thinking and would mean that insurance companies would not make as much money but maybe fraud is curtailed to some degree. Maybe it helps vehicle sales increase.

    flame away.

  6. #6

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    Re: Single vehicle bike accident affect car insurance ?

    Quote Originally Posted by JZ67 View Post
    I know this is living in a dream world idea, but for ***** and giggles I thought I would throw this out there. Why do we not buy vehicle insurance for an individual and not a vehicle. In other words, I pay for my insurance for me based on my record and regardless of what I drive or how many vehicles I own. I can only operate one vehicle at a time anyway. I know it's crazy and/or wishful thinking and would mean that insurance companies would not make as much money but maybe fraud is curtailed to some degree. Maybe it helps vehicle sales increase.

    flame away.
    It could work, but there would have to be a ton of conditions on it as the vehicle you are driving grossly affects the potential claims you file. You might be able to have a blanket for any unmodified four wheel vehicle with less than 300 hp and worth less than $50,000 for example. If you want a blanket policy to protect you from everything the insurance company has to assume you are going to crash a Britten or chiron and price you accordingly.

  7. #7

    Re: Single vehicle bike accident affect car insurance ?

    Quote Originally Posted by JZ67 View Post
    I know this is living in a dream world idea, but for ***** and giggles I thought I would throw this out there. Why do we not buy vehicle insurance for an individual and not a vehicle...
    I already posted that, nobody flamed it, that's the way the liability portion of our mandatory insurance Should work.

  8. #8
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    Re: Single vehicle bike accident affect car insurance ?

    Unfortunately, the situation in Ontario is that it's best to not file any claim in which you would be deemed at-fault, if you can possibly help it. You will end up paying over and over for it, on ALL vehicles that you are insured on, for the next six years. A single-vehicle collision is by definition considered to be your fault.

  9. #9

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    Re: Single vehicle bike accident affect car insurance ?

    Quote Originally Posted by Brian P View Post
    Unfortunately, the situation in Ontario is that it's best to not file any claim in which you would be deemed at-fault, if you can possibly help it. You will end up paying over and over for it, on ALL vehicles that you are insured on, for the next six years. A single-vehicle collision is by definition considered to be your fault.
    I was told that they could only hammer you on one vehicle. If you had a bike, car and truck each with a premium of $1500 a year they could only significantly double one policy, go from $4500 to $6,000 not $9000.

  10. #10
    Riceburner's Avatar
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    Re: Single vehicle bike accident affect car insurance ?

    So, you crashed your bicycle in front of your house at less than 10 km/h and broke your knee?

  11. #11
    Razor17's Avatar
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    Re: Single vehicle bike accident affect car insurance ?

    Ouch..

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