Off the road

[TwistedKestrel]

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Thread giving me stuff to think about as I had two very close calls with deer this year in my car. One I dropped anchor for and one I swerved around

 

[Brian P]

Unfortunately, with the way fault determination rules are written ... "if someone else is going to make you crash, always hit them"

 

[Relax]

Unfortunately, with the way fault determination rules are written ... "if someone else is going to make you crash, always hit them"

I heard this straight from my State Farm/Desjardins agent.

 

[Gary]

They shouldn't have. Friend was hit by a deer in his 2 week old GTI last month. No increase or penalty to his insurance rate.

I didn't take a hit on my rates.........but at renewal time, I like to shop around. Now this has a negative effect, and no one seems to know how to get rid of it.

 

[timtune]

As soon as you talk to them the put the at fault in their system. At least that was what I was told.

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This is not true of all of them. I was able to discuss a possible claim without having it locked in. Their response was so lame I didn't go through on it.

 

[crankcall]

Might also depend on your broker and the relationship you may have . We have had the same Gal at three different companies ( we follow her) . I can get “off the record “ conversations with her that leaves no paper trail . Many of the new style mega brokers where your call may be recorded for training purposes could be quite different .


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[ToSlow]

So much BS, forced to buy insurance and then punished if you use it. what a scam

 

[ToSlow]

 

[ToSlow]

I can't get the vid to load, but the first car on the opposite lane was waiting to make a left across my lane, the car going around him couldn't get stopped so decided to turn right into my lane leaving me the choice to hit him or go in the ditch.

The roads conditions were crappy

 

[ToSlow]

 

[ToSlow]

 

[ToSlow]

I for the life of me can't figure out how this is my fault?

 

[Scuba Steve]

I for the life of me can't figure out how this is my fault?

Had you hit them it would not be because you drove into the ditch it became your fault. It is messed up but that's the way it works.

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[crankcall]

Same issue happened to friends daughter , new driver forced off road , OPP consider it a new driver mistake , she clipped a tree rather than the truck , she gets charged with careless driving .


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[timtune]

I for the life of me can't figure out how this is my fault?

It was a game of chicken and you bailed.

 

[AllistonGT]

Same issue happened to friends daughter , new driver forced off road , OPP consider it a new driver mistake , she clipped a tree rather than the truck , she gets charged with careless driving .


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Careless is a catch all. Go to court. Easy to get reduced.

 

[ToSlow]

I sent the footage to my insurance company, will see what happens i guess

 

[tat2]

Careless is a catch all. Go to court. Easy to get reduced.

That's what happened with my wife when she crashed her scooter in a single vehicle accident (low speed, low side in a round about) this year. I met with prosecutor and got it reduced, then in court the Judge was merciful and tossed it altogether after the prosecutor recounted the fact she was currently in surgery for the second time due to said accident hence why I was representing.

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