+1, Summed it up right there.
Bike Knocked Over In Parking Lot... Driver Runs.
- Thread starter Kibosh3
- Start date
+1, Summed it up right there.
Not for standard vehicle damage. It's designed to reduce litgation costs, so the general concept is that we pay for some we aren't responsible for and don't pay for others that we are responsible for and it all comes out in the wash.
invictus43
Well-known member
All you need to know:
http://www.fsco.gov.on.ca/en/auto/brochures/Pages/brochure_autoins.aspx
Bottom line, you are covered in a parking lot. Fault determination rules of your insurer are applied and it's not always 50/50 contrary to popular belief. You cannot be charged with HTA offences on private property other than the criminal charge of Dangerous Driving. Your own insurance pays for your damage. If you do not know who the other party is, you are still covered provided you have Uninsured Coverage. When I said the other driver will pay, I mean if he was at-fault, he will be the one getting the insurance increase. Wasted's post is spot on.
http://www.fsco.gov.on.ca/en/auto/brochures/Pages/brochure_autoins.aspx
Bottom line, you are covered in a parking lot. Fault determination rules of your insurer are applied and it's not always 50/50 contrary to popular belief. You cannot be charged with HTA offences on private property other than the criminal charge of Dangerous Driving. Your own insurance pays for your damage. If you do not know who the other party is, you are still covered provided you have Uninsured Coverage. When I said the other driver will pay, I mean if he was at-fault, he will be the one getting the insurance increase. Wasted's post is spot on.
In addition to that, these are the Ontario fault determination rules. They are the Ontario adjusters bible. I will direct you to all of section 16 and in this case 17(1)
http://www.ibc.ca/en/Car_Insurance/documents/brochure/ON-Fault-Determination-Rules.pdf
nToxEk8d
Well-known member
A bit OT but last night there was an accident on the street that I back onto. This is Brampton or West Markham after all! One driver, male, rear ended a female driver whom I believe switched lanes last second without checking her blind spot. Anyway, after some yelling by the man and eye balling by the woman, the man made a phone call and a buddy of his appeared, as he disappeared. The buddy claimed he was driving the car. Fortunately, as I was watching my insurance premiums go up, a neighbour was clicking away on her cell phone and got some pics of the driver. The buddy was in the back of the cruiser the last time I checked. The best part is the woman said nothing to the police about this. And that, folks, is why we pay an arm and a leg for insurance.
Return of Ragu: The Saga Continues.....
CharleneLizette
Well-known member
LockzzZX9R
Member
Wow, atleast you had some great people around you to try and help you out eh gheez. This post kind of ticks me off. How can someone be so ignorant to get out and for one, touch your bike after hitting it JUST so they can run away and then barge through a crowd of people to get away from everyone.. People these days are brave man! Hope you get some money returned for your repairs though
invictus43
Well-known member
You been saving that one up for a while now Bob?? :-D
ARASHAMG
Active member
It doesn't matter. I was hit at a gas station by an old lady who drove into my drivers door. My car was parked and off. As a result I have an at fault accident on my record.
There is a difference when you open your door into traffic without making sure it is clear, Which is why you got the at-fault (May or may not have happened that way, but 95% of open door accidents happen that way)
RC8BOY
Well-known member
Taking off from the scene of an accident and playing chicken with pedestrians makes it a criminal act. Private or public property, they can charge you.
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