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  1. Akad3m1kz

    Riding a bike without license plate sticker?

    Even if you had only $1m Liability. If the other person had OPCF44 and they had a $2m liability then she can sue you for that amount. Your insurance would cover for you $1m then recover the remaining loss from you. This would be an extreme situation depending on the severity of their injuries.
  2. Akad3m1kz

    Riding a bike without license plate sticker?

    I work for an insurance company. This situation would follow the insurance/driver. If I borrow your car get into an accident in areas where its my fault you will now have an at fault accident under your name provided that I am not insured anywhere else. Even in the cases where I am insurance...
  3. Akad3m1kz

    Hit and Run - Bloor @ Church.

    / unidentified motorist. In any given case this will be reported to Autoplus either TPL or Coll claim.
  4. Akad3m1kz

    Riding a bike without license plate sticker?

    Sorry meme - Insurance follows the driver and the vehicle.
  5. Akad3m1kz

    Hit and Run - Bloor @ Church.

    Sorry Greyghost but that's not the case. You can be charged with a Collision Not at fault - this is when you claim for a hit and run without any plates/proof/witness.
  6. Akad3m1kz

    Hit and Run - Bloor @ Church.

    Yes this will be rated as a Hit and Run and this will not affect your rates, however as you stated you will be charged with a deductible and your absolutely correct once they find the plates your deductible will be refunded and this Claim will turn into DC PD under third party liability, the...
  7. Akad3m1kz

    Whats with all of these fatalties this season?

    Based on the news I had also thought the # of deaths had increased. Perhaps I was wrong.
  8. Akad3m1kz

    Cancel insurance

    or if your vehicle is on liability coverage only you can request OPCF16
  9. Akad3m1kz

    RIP? 401 EB near carlingview

    just heard this on the news. RIP
  10. Akad3m1kz

    RIP to the Family's -BRAMPTON FATALITY

    RIP this is close to home.
  11. Akad3m1kz

    Gah! Someone stole my left side cover today...

    damn man... thats messed up.
  12. Akad3m1kz

    M test == passed!!!!! :)

    I'd like to know where you took the test as well. Congrats btw
  13. Akad3m1kz

    Simon Andrews RIP NW200

    RIP. I just the video on youtoube :(
  14. Akad3m1kz

    how much will premiums increase after an at-fault accident?

    yeah then better to deal with it privately
  15. Akad3m1kz

    how much will premiums increase after an at-fault accident?

    you also have to factor in that he will have it on his record for 6 years. on another note how much was the damage he was involved in?
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