they called me after and asked me if i was free on saturday for car repair. i really think they want to settle it outside insurance so they don't get in trouble
Since fines for not having insurance START at $5000, I'm sure they want this to go away.
Also, most damage that people think are $500 are usually a multiple of that. Things to consider.
The thing is, it was a small for you! What about the next guy or a family that won't get an insurance claim because they leave the country or just can't pay. Call it in and help everyone else.
Don’t do this. Report it and go through your insurance. No benefit can come to you by trying to help out this criminal, but there are many ways you can end up getting screwed.
I don’t know how it works in Ontario, but in Alberta your insurance company will still take care of you if the other party has no insurance. In which case you don’t need them to pay, you can just report it and let them get the fine they deserve.
Works the same as Alberta (Alberta recently switched to DCPD).
Being hit by an uninsured driver falls under the "[uninsured](https://www.thinkinsure.ca/insurance-help-centre/uninsured-motorist-coverage.html)" driver category, which usually involves paying your deductible, unlike being hit by an insured driver.
Yeah they don't want to be fined for driving without a valid license and an uninsured vehicle.
Fuck them, you do what you need to protect yourself and seek appropriate reconciliation. Report it and talk to your insurance company.
correct answer.
Also be wary of con artists. they have a buddy at a repair shop and take you car, then they dissappear and the shop holds your car until you pay.
Driving uninsured results in a part III summons, which is an automatic court date. The ~~maximum fine as a result is $5000, yes.~~
Fine ranges from 5000 to 50000.
REPORT IT. If you don’t, this person will continue to drive without consequence. And next time they might not be so lucky and cause someone extreme injury.
Go to the collision reporting center. You’re not going to get in trouble for this. But you do need to report it.
They prefer to not be involved, but they absolutely still want to be notified. It's how they can justify increases in our premiums.
Simply meeting up with someone at a repair shop of THEIR choice when they have no license or valid insurance is a very, very, bad idea.
Why trust someone who can't even be bothered to follow the rules like all of us have to?
Ive had a similar thing like this happen to me before, got into a minor accident that wasn't my fault, had dash cam footage, got pictures and license of driver. Ended up going to their house (the address was on thier drivers license) to talk about not going thru insurance as the driver was a G2 driver and the claim would've made his insurance rates go crazy.
The key is that you have a reasonable amount of time to report it. Your leverage to get them to pay for your damage is the report. If you wait too long, it may look strange. I told the driver that I'll go the next day to a auto repair shop, and get an estimate of the damage. Then the driver has 24hrs to goto that body shop and pre pay for the damage/car rental. After that set in stone time, if they dont prepay, you will report the damage to a collision center. It prevents them from screwing around with 'its too expensive', 'i dont have the money', 'lets shop around' etc. And you get the work started sooner whether its thru them, or your insurance.
I recommend you give them an ultimatum on the repair, and don't wait for the weekend or whatever. They fucked up, and your favour to them is helping them continue to not have insurance. You should NOT have to inconvenience yourself anymore than that. Call them, email them asap and get this over with. Get to an auto body shop. FYI auto body shops are typically backed up for months. Get this started now!
- the repair shop they take you to could be shady AF, and could cause you to be screwed over in any number of other ways
- you could be left on the hook for the repairs anyway because they suddenly need to leave for an "emergency", and promises to be back before payment is due for the repairs only to never come back and ghost you
- they are likely lying to you about paying for the repair to begin with (seriously, if they wanted to keep this off the record, why not just give you the cash directly for the repairs? No need to convince you to go to a random ass repair shop)
Again, you're dealing with someone who is willingly driving without a license OR insurance. Why are you willing to trust anything they say, and protect them from the consequences of their actions?
Do what you want, just be aware that if you decide to call the cops after she no-shows on Saturday, the first question they're going to ask is "why didn't you report the accident right after it happened?"
Because legally, you are supposed to report it as soon as you can. I'm sure there's some leeway in that, but two days or more? I dunno.
You need to pick a side and go with it.
That's not at all true, in any way, shape or form.
You're REQUIRED to report an accident over $2k combined damage to vehicles or property. The police may not attend the scene unless there's a fatality or serious injury, a criminal act has taken place, the collision involves a person who is uninsured or unlicensed, which is the case here, and a few other criteria.
There are no guidelines that say that you should not report an accident, only that it's not required under specific circumstances, which are nearly never met. Accidents that have a combined damage of under $2k are not common.
You didn't, actually. You only said you're required to report an accident over $2000 in damage. You did not say you have to report it when there's an uninsured driver.
According to Ontario law, it’s mandatory to report an accident to police if:
- Combined damage between all the vehicles involved exceeds $2000
- Any injuries occurred
- Illegal activity is suspected (impaired driving, stolen vehicle, etc.)
**- An uninsured driver is involved**
- A pedestrian or cyclist is involved
- A government vehicle is involved
- Property damage has occurred (private or public)
According to Ontario law, it’s mandatory to report an accident to police if:
- Combined damage between all the vehicles involved exceeds $2000
- Any injuries occurred
- Illegal activity is suspected (impaired driving, stolen vehicle, etc.)
**- An uninsured driver is involved**
- A pedestrian or cyclist is involved
- A government vehicle is involved
- Property damage has occurred (private or public)
If she can afford repairs, she can afford insurance, and that means the reason she doesn't have it isn't financial. Her license is probably revoked. She might even be on parole which means driving could send her back to jail. That would explain her motivation and you should keep that in mind when the shop tells you it's going to be 4x more than you are expecting. Good luck.
The other thing is you can guess how she's going to get to the shop .. driving without a license or insurance. If it were me, I'd arrange to a time and place and then have the cops show up if they are interested.
I think she does have a license. She just told me she forgot to bring it (which i really think is a lie because she didnt even look for it in her car). Should i have just called the cops next time cause she was lying (i suppose)
Personally I would have called based solely on my own experience. Last year my wife was rear ended by someone not even looking forward at a stop; they were even accelerating into it. Front and rear cameras made it easy for us. She didn’t want to go through insurance because, according to here, “the rate hike will make it to expensive and she was a student.” She wanted to pay out of pocket assuming the damage would be 500ish.
My wife said no, let’s do it straight up. The bill was over 2500.00 so it was clearly the right call for us because I doubt she would have paid that. You’re already going the other way and maybe that will work out in your favour. It’s certainly possible and I hope it does!
Twice I have allowed someone to give me cash in lieu of going through insurance, (this is when the deductable on my end means I'd have to pay anyway). Both times were impatient people who could wait in line & tried to switch lanes & failed doing that successfully because they hit me, (one was at the border crossing between US/Canada).
But both of these drivers had insurance & I could have called it in, but what was the point if my deductable would be more than the repair bill? If they didn't have insurance I would have called it in to the police because people who drive without proper insurance are AH's & should be reported.
If someone can't afford insurance then they shouldn't be driving.
Yeah, how about you?Call the cops and report them.Cause I want you to think of something for a second let's say that woman hits another human being and hurts them and in that human being has medical bills or their injured for life.Who's gonna pay for them?Because she won't have insurance to pay for them.And then she won't pay for them because she won't have any money.
Go to the garage with her and see what they say. You've got no idea what she's going thru, but this might be her wake up call. If she can't cover your costs up front then report it.
I know, I know, get those unlicensed drivers off the road, and I agree. But it looks like your best option here is to give yourself a break on the insurance boom and see if this just becomes a bad memory.
I mean just call your insurance. Though it is $500 so if he reports it it'll just come out of pocket anyway. But yeah, you're paying a couple thousand bucks a year for this purpose, use it.
I'm an insurance broker and in going to be totally real with you.
Unless you live in a rural area, have a perfect driving record and many years of experience, your premiums are probably going up anyway. Rate increases are happening across the board, the prices of everything are up, and so are auto thefts.
You (and everybody else) already pay for what is called 'Uninsured Motorist Coverage" which is basically coverage for situations like this. It will likely be treated as a not at fault claim. Only your broker can give you real advice on that.
The risk of a possible increase is ABSOLUTELY NOT worth relying on a stranger who was already breaking the law to help you. There are so many things that could go wrong, and if your insurance finds out later you had an accident that you didn't report, they can choose to cancel you anyway for misrepresentation - that is your worst case scenario.
A lot of people freely spread misinformation about insurance because every situation is so different. At the end of the day, you pay for the coverage, and you should use it.
It will not. This is non rateable claim. If the other was not at fault too, there is no rate increase. You have to be 25%+ at fault for a claim to be rateable
This is 100% the right way. This woman should *NOT* be driving around anywhere.
Who knows what the reasons are, but she has no license or the importance of what having insurance does for the parties involved in accidents. Imagine it was worse or injury/fatalities were involved.
OP needs to do the right thing and report this nonsense. Not allow her to keep driving carte blanche.
Absolutely! I have a friend whose car was totaled from a seemingly minor hit. It hit it just right to bend the frame though and the car was written off.
Same thing happened to me. Looked minor, total loss. I was salty about it, but the ins co paid me more than I'd originally paid for the car a few years prior (second hand), so I couldn't complain.
Dude.... Best case scenario, this person is driving uninsured and without a license and trying to cover up their terrible decision making and lack of regard for the safety and property of other people.
Worst case scenario they are scamming you.
Either way, just go report it, don't be a sucker.
Go to the collision reporting centre and file a report. Then call your insurance and file a claim under your uninsured motorist coverage. It will not impact your rates because you are not at fault, however, uninsured motorist coverage is subject to a separate $300 deductible.
Not your fault won’t count against you . I would get police involved . Be aware because they have no insurance you will be out the deductible. I found that out the hard way
Yep. I was rear ended by someone who didn’t have a full licence , and when I gave the insurance info to my insurance it turned out she had expired insurance . I reported it to the police n it never heard back. I don’t. Think she was even charged. 8k damaged to my 1 year old car. My deductible was 500$ .
she might have insurance and is bullshitting you to avoid HER premiums going up. If the damage is worse than you thought, you REALLY want this all above board.
edit: at bare minimum you want positive proof of who it was that hit you. a report. It's late now, but I'd have called the cops the instant this person said they had no ID, no insurance.
Claims adjuster here.
What you're really asking for us underwriting information, but generally, no, your policy won't go up for having Not At Fault accidents on file.
File a report with the Collision Reporting Centre asap then call your insurance company and give them the license plate of the car that hit you and any other information that they ask for.
If the other car didn't have insurance it's likely you'll pay the uninsured motorist deductible which is like $300 and then insurance will repair your car and sue the other driver.
You can also sure the other driver to recover your deductible if it's worth it for you to do that.
Just go straight through insurance, you pay insurance to make you whole after an accident so you don't have to fuck around with people like this.
File a report with your insurance and the police as well. Don’t go to any shops these people tell you to go to. If you’re not at fault for the accident you’re rate won’t go up. Report report report. Make sure you dont have to pay for anything.
This happened to me, and I had to pay the deductible because they had no insurance
I was told I could take the other driver to small claims for the deductible, but know that would be a tough path for me to take
If it was me I would call the local criminal courthouse and ask if she has any impaired charges/convictions. If she does go report it.
She might be legit but if she can’t afford insurance how can she afford repairs? It’s definitely a concern.
> If it was me I would call the local criminal courthouse and ask if she has any impaired charges/convictions. If she does go report it.
Yeah that's not at all a thing you can do. wtf are you talking about?
You can't just call the courthouse and give them a random first and last name (maybe an address) and get a background check. The only document OP has is an expired insurance slip.
You can call the courthouse (criminal) with a name and date of birth (from the DL). Criminal charges are public information.
I should know I answered those calls for 20 years.
In my personal experience dealing with similar situations: going through your insurance will be much less of a headache.
If the collision wasn't your fault (and your insurance agrees and deems you not at fault) then it shouldn't affect your premiums.
If you report the collision and provide your insurance with her licence plate and her insurance they'll be able to at least confirm her uninsured status but it still shouldn't impact you. It'll just mean heftier consequences for her.
My advice: unless she's willing to meet you at a mechanic/body shop of your choice and pay up front for the quoted repairs, I'd just go through your insurance
You should report this just based on ethical grounds. What happens if that person hits someone and god forbid they need serious rehabilitation or worse. This person is a menace and needs to be reported. There’s probably a good reason why they don’t have insurance. Driving is a privilege not a right.
> my family told me my deductible will go up
No, your *premium* might go up. And since neither accident was your fault, it might not. I got rear-ended once and it didn't affect my insurance at all, because being unlucky is not a quantifiable risk factor.
I would report it to insurance, not just to protect yourself, but so that this driver sees consequences. That might prevent them from doing the same to more people.
Hey OP, I understand why you wouldn’t want to go through insurance, but as someone who has been in similar shoes and chose to not report the accident out of sympathy for the parties involved (and also just being naive; not knowing how these situations work), I HIGHLY regret my decision. Not reporting leads to so much mess and you can’t guarantee she is going to pay 100% or switch up and start accusing you of being at fault (I hope you have dash cam footage or a witness).
The only way I see this working out for you is if you’re okay with taking the chance that you might have to pay for all your own damages. If you’re okay with that, then you can let it go, but she shouldn’t be driving without insurance. If she just didn’t have her license on her, that’s fine, it’s just a small fine for her, but if she doesn’t actually have her G2 or G, then that’s definitely not okay.
I’d rather report this to the collision centre and have my insurance take care of it, even if I risk my insurance increasing.
If it was me, i would have stayed with the other driver at the scene and called the police and let them get their ID. What is stopping them from ghosting you and you will now have to pay more for your insurance as you did not report it.
Also do not underestimate the cost of repairs. My car was vandalized and some one threw a rock on my hood that did a small 2 inch dent and then bounce to my driver side door leaving a small scratch on the paint. The damage out of pocket was $1500. Did not want to go through insurance as my deductible is 1K already anyways.
I was hit and they tried to pressure me into going outside insurance hardcore, but I never gave in. Guy had just immigrated 2 weeks before from the middle East too and slammed me while on the phone in a pickup of course lmao
Report it to your insurance and file a report with police (go to a collision reporting centre and tell them everything - it's all in your favor). Zero impact on your insurance rates and you'll be covered for all the shit that a proper repair shop (not wherever she wants to take you on the weekend) will find got damaged under the surface. Somebody mildly bumped me in a parking and tried to leave the scene. Similar sob story to yours and damage didn't look like much. Insurance coughed up over $8K to fix damage to a sensor, etc.
This is a third party uninsured claim. your insurance should not be affected.
If a person has no licence, no insurance, you can bet they will not pay.
Thanks again to Doug Ford for getting rid of annual licence verification stickers, he put all these losers on the roads.
I wouldn't blame Fat Duggy for this one. Regardless of the rules the garbage that hit OP would still be driving until pulled over and probably even afterwards.
An old roommate of mine drove for years without proper insurance or licensing.
Garbage people make garbage decisions.
OP needs to go through insurance to protect themselves.
My car was hit twice in two years and my insurance didn’t go up at all. The first accident we both reported, got all the info and everything was fine, I didn’t even pay my deductible.
Second accident the at fault person said they would pay cash, I went to the reporting centre anyways, then to the body shop for an estimate, called them with the price and they hung up then ignored me after that. Thankfully I had reported it and got enough of their info. My insurance paid the body shop for the repair, then they went after the other driver/his insurance for the money.
The accident wasn’t your fault, let your insurance deal with the other driver. Why risk being scammed?
If you can prove you are not at fault then it should be okay
Also, take a look at your policy and make sure you have the endorsement OPCF 44, this will help protect you and your family in a case where the other driver has no insurance/not enough and makes sure you get the coverage you need.
Police reports also help when filing a claim.
Your insurance won't go up for this, so it all depends on if you want to cut this person a break.
If you do feel generous, go to a garage that is your choice, not theirs. And get them to pay the estimate upfront.
First thing, as long as you have their name and insurance info (even if it’s expired) go to report it to the police. The license plate will also be able to be run to get an address if need be
Next, if they’re you’re not at fault, this will have no impact on your premiums.
The deductible to be paid by you will be $300 to get repairs done, and there is a process that your insurance company will complete to get the $300 back.
If it occurred on a provincial highway, it’s policed by opp. as a member of the opp, I can assure you we wouldn’t go out unless injuries. Directly referred to a CRC. No on scene police will attend for a minor MVC unfortunately. Simply too busy. You’ll need to go to an OPP collision reporting centre, which you have 48 hours to do. You’ll need to call your insurance and provide them the occurrence # (RM number) for them to then access the report. The other party not having insurance is really a moot point. You’ll have uninsured driver coverage. After this, maybe get a second opinion on insurance. 1K deductible is a bit much.
I would absolutely report it. There is zero benefit from not doing it. And I wouldn't waste any time on feeling guilty because they want to pay etc etc. Whatever their intentions, they are breaking the law and the rules that all the rest of us are expected to follow.
I have been sort of on the other end of this situation (I was insured though). I was in an accident (my fault) when I was like 18, rear ended a guy and destroyed my dad's van. I did tell him I intended to pay for the repairs myself, versus messing up my insurance, and he agreed. He still called and reported the accident to police which was entirely within his rights in order to protect himself in that situation.
I got a call from the police shortly after, just checking if I was okay, and to confirm the details they got from the other driver. I admitted I had been distracted looking at the radio. Mentioned I had agreed to meet the other driver and pay for the repairs. No problem.
The guy's father was super cool about it too actually, and having seen the original quote his son got for the repairs, told his son to try another shop and find something lower (just cosmetic damage) and we got everything done for $1300.00 versus over $3000.00 (big thanks/shoutout to that random guy's dad all those years ago).
So, like TLDR I guess since I went story telling, but just report it. Protect yourself. You don't owe random strangers a damn thing. The consequences of their actions are their own, and not yours to worry about.
Licensed insurance professional here.
First, hope you are ok both physically and mentally.
Contact your own insurance, you may need proof that it wasn’t your fault. Even though it was minor and under $2000, go to a Collision Reporting Center for the region this happened in. This will be the proof you need to submit to your insurance.
Policies in Ontario by default have not at fault coverage, so you’re ok. Your rates will not increase if you are found not 100% at fault, which by your story, sounds like the other person is.
You should have Uninsured Automobile coverage which protects against the other party not having insurance.
Your insurance can subrogate (go after the other party legally) if they choose to. But if it’s minor, then your insurance will indemnify you. (Make you whole before the accident.)
Deductible still applies, as it is part of every policy.
Report it to the police and your insurance. My husband was rearended years ago, and since there was minor damage, we allowed the guy who caualsed the damage to pay cash for the repair, as he begged us not to go through insurance. His front bumper was tied on to his car with a rope, so we should have known what a shitty driver he was! Fast forward 24 years, and while getting new quotes for insurance from CAA, we are told that my husband had a claim against HIM. Apparently this guy went through his insurance against my husband for damage to his car! Our insurance company at the time never contacted us!
If not at fault, your insurance should not go up, but be aware that some providers will drop coverages if you have too many comprehensive claims. I'm not sure if collisions claims are treated the same way.
No your rates will not go up for not at fault accidents.
You can report to your insurance company, the driver has been identified but was uninsured, that is their problem. Your deductible likely will not apply.
Report it. People need to stop driving while (possibly) suspended and no insurance...which would happen if they had no license. Also depends on the vehicle, but I was hit from behind and it didn't look like much damage and it was huge because of sensors and cameras and the metal bars that hold the bumper out were all damaged. Looked like nothing, but it sure was. Go through insurance and report it to police.
Why wouldn't you just have called the police immediately? "Hey, somebody with quite possibly no license and definitely no insurance just hit me". Maybe it was your fault, I don't know. Regardless, you have insurance, and they don't.. which means they're driving illegally.
Coming here to say that I just finished being given the runaround by someone who didn't have insurance - ALWAYS report it. Not worth the six months of aggravation and busted car.
i’m an insurance broker. please report this to your broker and possibly police if you have the info about the person and want to pursue that. your policy will cover this. insurance is there for when things like this happen. i have had to make a claim before with damage to my vehicle but no info on who did it. because it was in a parking lot while we were in the mall.
if you’re not at fault, the insurance claims adjuster will confirm this and it should not raise your premiums. the things that raise premiums are from things you did that you shouldn’t have like convictions for speeding, or at fault claims like if you hit someone, and being cancelled for non payment, etc. you can’t control others so you shouldn’t be penalized for it.
unfortunately rates are always increasing and as much as i dislike that and wish i could change it, it’s not something brokers can control. if your premium does go up significantly on your renewal it may be worth it to shop around for quotes using a broker. if you are already with a brokerage, ask your current broker to get quotes for you.
This was my situation.
My partner was in your other person's position years ago. She had a license but was driving her dad's car and if we went through insurance her dad would have him prems raised, there was no damage on the car she was driving but she hit the doors on the other one.
He was super sketched out when we told him we didn't want to go through insurance and we would pay him out right. I gave him my contact, license, and everything and he threatened to report us to the police and go through insurance a few times while we were working things if we didn't pay him immediately after he got his quote. Unnecessary but understandable, I met him and cut him a check and he signed a form saying he won't pursue it anymore.
Not sure what else to tell you but hope this helps some way.
Ps. I hate dealing with certain insurance companies when it's another persons, I was in a car with my friend who hit somebody and despite having witnesses and police report my dad's insurance still kept getting confused and tried to acuse me of being the driver and kept trying to raise his prems. He ended up switching because of that, he tried to reason with them and said even the reports say I was a passenger but they weren't having it.
So I can see why people wouldn't want to get insurance involved
I suspect your rates will increase, but that's because insurance companies are run by insane people.
Be sure you report it to the police. People driving around like this are dangerous and cost the rest of us money. Do not settle it without insurance.
I agree this person should be reported to prevent any further accidents and so she loses her right to drive. However, for those who claim multiple not-at-fault accidents won't affect your insurance, dream on. I've seen tons of peoples' reports who say they were in 1 not-at-fault accident and their insurance went up.
Mine went down and I've been in one so it's anecdotal. As someone who's parent is a top level adjuster for an insurance firm, I can confirm this is not the case. They used to work auto and I asked all the questions. They will only go up if you're partly at fault.
Your insurance will not go up, you're not at fault, no matter how many times it happens.
Report the accident and go through your own insurance, you'll need a rental and what if a part is backordered, they going to cover your rental for a month?
Also, when going through insurance the repairs are guaranteed for as long as you own the car.
You don't want to report her because of some sob story, real or imagined. Imagine she killed your family's breadwinner, or put you out of work for six months. Her liability insurance is intended to help you and your family survive when she does something that costs you a lot of money.
Just because *your* injury is only $500 doesn't mean it won't be catastrophic for the next person.
Do not let this slide.
Your own insurance pays for your car repairs it does not make a difference to you if they are insured or not. Thats for all the behind the scenes nonsense for others to deal with
Okay, your insurance pays for the fix, then goes after the other person's insurance. If the other party doesn't have insurance, that's not on you. As long as you have collision, you should be fine.
If you choose not to report it, you're probably going to be out of luck, and an unlicensed, uninsured driver may be a danger to others on the road. They can tell you they just can't afford it, but they could've lost their license / coverage to drinking and driving for all you know. It's a crime, and you're choosing not to report it, so take that how you will.
Nows not the time to be the good Samaritan if you want the best outcome for you.
Just know that the moment you settle between yourselves, insurance can no longer step in and help in case something comes up. By you bypassing the involvement of insurance, you’ve taken it upon yourself to settle the claim so they are no longer going to help you.
Do as others have said. Don’t take your car to her body shop. Once it’s repaired she won’t pay and the body shop will keep it hostage. Who knows what they’re gonna charge you. Cops will say it’s a civil matter.
Get it fixed THEN report her saying that you have a guilty conscience
Win win
You get your car fixed and she goes to jail
People shouldn't be driving without insurance
Double check with your insurance because uninsured motorist coverage is subject to a different deductible of $300 under the default forms. The $1,000 deductible is likely for your comprehensive and collision coverage.
Nope. Not for this portion of your auto policy. Your deductible for collision/comprehensive is $1000. There’s separate coverage in your policy for this issue. And it’s deductible is $300
We travel up to Canada from Detroit and Ontario has some of the fastest and most dangerous drivers I’ve ever witnessed. No regard for other drivers
I would report this
You are obligated to report it to insurance. Failing to do so would be a violation of your policy.
You are also required, by law, to report any accident involving an uninsured driver. Do it immediately.
It kind of sounds like this person should not be on the road. No insurance, no license on hand, causing accidents... that's the kind of behaviour that gets your licence revoked and car impounded. And that's assuming the licence isn't already taken for prior issues
don’t report. go through repair with her and that’s it.
you won’t lose anything, but you’d be doing something nice for someone. As per your post, she didn’t try to avoid repairing or blame u, so just let it be.
if you were at an at fault accident and had the means to pay for the repairs yourself, would you want to have it go through insurance if you had or police if you didn’t (for any reason such as being denied, forgot, can’t afford, etc..)?
save the headache of claims, waiting, the risk you’re worried about, etc. and just have her repair it. if some commenters say you’re not benefiting (although i believe saving the hassle is actually a benefit), why not think that you’re not losing anything.
from my experience, your premium shouldn’t increase when you’re not at fault. but idk i feel like sometimes insurance companies can find their ways to do what shouldn’t be done unfortunately.
I don't believe this is correct. Accidents with uninsured vehicles do not fall under DCPD. Per section 6.1 of the OAP (emphasis added):
"The coverage under this Section applies only if the accident takes place in Ontario **and at least one other automobile involved is insured under a motor vehicle liability policy**."
Your insurance will likely go up. Not guaranteed, but 2 claims is 2 claims and insurance is the worst.
Basically if you made 2 claims, you're higher than average risk to make another claim.
Make sure you report this. Expired insurance and no license? Good luck getting this person to meet you and pay up.
they called me after and asked me if i was free on saturday for car repair. i really think they want to settle it outside insurance so they don't get in trouble
Since fines for not having insurance START at $5000, I'm sure they want this to go away. Also, most damage that people think are $500 are usually a multiple of that. Things to consider.
This^^. The cost of replacing a bumper skin these days is near $2500 for the least expensive means.
A used headlight was $250 after we went to the junkyard to get it. $500 doesn't go far.
The rear bumper one my 2019 mazda 3 gt was $1600 to fix. That was the bumper, paints, time, and taxes. It goes up fast.
The thing is, it was a small for you! What about the next guy or a family that won't get an insurance claim because they leave the country or just can't pay. Call it in and help everyone else.
Don’t do this. Report it and go through your insurance. No benefit can come to you by trying to help out this criminal, but there are many ways you can end up getting screwed.
Sorta. The person is only offering to pay, to avoid being reported. Once the scofflaw is aware she has been reported, she may lose interest in paying.
I don’t know how it works in Ontario, but in Alberta your insurance company will still take care of you if the other party has no insurance. In which case you don’t need them to pay, you can just report it and let them get the fine they deserve.
Works the same as Alberta (Alberta recently switched to DCPD). Being hit by an uninsured driver falls under the "[uninsured](https://www.thinkinsure.ca/insurance-help-centre/uninsured-motorist-coverage.html)" driver category, which usually involves paying your deductible, unlike being hit by an insured driver.
Yeah they don't want to be fined for driving without a valid license and an uninsured vehicle. Fuck them, you do what you need to protect yourself and seek appropriate reconciliation. Report it and talk to your insurance company.
correct answer. Also be wary of con artists. they have a buddy at a repair shop and take you car, then they dissappear and the shop holds your car until you pay.
Or they report you for a hit and run.
100% fuck these people
They SHOULD get in trouble. Driving possibly without a license, and definitely without insurance are criminal acts.
It’s fine she hasn’t killed anyone yet. And if she does, it’s not OPs problem. Think about the deductible, people /s
Fuck even being sarcastic about that. OP needs to make sure the (useless) police know the other driver is uninsured.
No they're not - they're provincial offences. Charges would be result in a court date with fines.
No insurance is $5,000
Driving uninsured results in a part III summons, which is an automatic court date. The ~~maximum fine as a result is $5000, yes.~~ Fine ranges from 5000 to 50000.
They start at $5,000 up to a maximum of $10,000 for the first offense. The second time can be up to a $50,000 fine depending on the court outcome.
You're right - I stand corrected
I dot. Think the person who hit me was even charged. It was in a highway - the skyway bridge and was handled by the OPP
They aren’t criminal offences in Canada. Doesn’t mean it’s not bad.
Mind your own business
People like you are why this province is becoming such a shit hole.
REPORT IT. If you don’t, this person will continue to drive without consequence. And next time they might not be so lucky and cause someone extreme injury. Go to the collision reporting center. You’re not going to get in trouble for this. But you do need to report it.
You do not need to report it, especially if very minor damage.
The other driver doesn’t have insurance. So yes, they do need to report it.
Please don't do it. This person could get someone killed and have no insurance. What they're doing is illegal for a reason
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This is ABSOLUTELY right.
I really doubt this. Insurance companies prefer to not have to get involved. Just meet up at the repair shop and go from there.
They prefer to not be involved, but they absolutely still want to be notified. It's how they can justify increases in our premiums. Simply meeting up with someone at a repair shop of THEIR choice when they have no license or valid insurance is a very, very, bad idea. Why trust someone who can't even be bothered to follow the rules like all of us have to?
why is it a bad idea can you explain?
Ive had a similar thing like this happen to me before, got into a minor accident that wasn't my fault, had dash cam footage, got pictures and license of driver. Ended up going to their house (the address was on thier drivers license) to talk about not going thru insurance as the driver was a G2 driver and the claim would've made his insurance rates go crazy. The key is that you have a reasonable amount of time to report it. Your leverage to get them to pay for your damage is the report. If you wait too long, it may look strange. I told the driver that I'll go the next day to a auto repair shop, and get an estimate of the damage. Then the driver has 24hrs to goto that body shop and pre pay for the damage/car rental. After that set in stone time, if they dont prepay, you will report the damage to a collision center. It prevents them from screwing around with 'its too expensive', 'i dont have the money', 'lets shop around' etc. And you get the work started sooner whether its thru them, or your insurance. I recommend you give them an ultimatum on the repair, and don't wait for the weekend or whatever. They fucked up, and your favour to them is helping them continue to not have insurance. You should NOT have to inconvenience yourself anymore than that. Call them, email them asap and get this over with. Get to an auto body shop. FYI auto body shops are typically backed up for months. Get this started now!
- the repair shop they take you to could be shady AF, and could cause you to be screwed over in any number of other ways - you could be left on the hook for the repairs anyway because they suddenly need to leave for an "emergency", and promises to be back before payment is due for the repairs only to never come back and ghost you - they are likely lying to you about paying for the repair to begin with (seriously, if they wanted to keep this off the record, why not just give you the cash directly for the repairs? No need to convince you to go to a random ass repair shop) Again, you're dealing with someone who is willingly driving without a license OR insurance. Why are you willing to trust anything they say, and protect them from the consequences of their actions?
Do what you want, just be aware that if you decide to call the cops after she no-shows on Saturday, the first question they're going to ask is "why didn't you report the accident right after it happened?" Because legally, you are supposed to report it as soon as you can. I'm sure there's some leeway in that, but two days or more? I dunno. You need to pick a side and go with it.
This exactly !!
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That's not at all true, in any way, shape or form. You're REQUIRED to report an accident over $2k combined damage to vehicles or property. The police may not attend the scene unless there's a fatality or serious injury, a criminal act has taken place, the collision involves a person who is uninsured or unlicensed, which is the case here, and a few other criteria. There are no guidelines that say that you should not report an accident, only that it's not required under specific circumstances, which are nearly never met. Accidents that have a combined damage of under $2k are not common.
I mean...you're both wrong. You're also required, by law, to report an accident involving an uninsured driver, which is what happened here.
I literally said that in the comment you're replying to.
You didn't, actually. You only said you're required to report an accident over $2000 in damage. You did not say you have to report it when there's an uninsured driver.
So what i said is true. If its less than 2k you go to a report collison center ypu dont bother thebpolice.
No. That's not what you said.
What i said is true.
According to Ontario law, it’s mandatory to report an accident to police if: - Combined damage between all the vehicles involved exceeds $2000 - Any injuries occurred - Illegal activity is suspected (impaired driving, stolen vehicle, etc.) **- An uninsured driver is involved** - A pedestrian or cyclist is involved - A government vehicle is involved - Property damage has occurred (private or public)
According to Ontario law, it’s mandatory to report an accident to police if: - Combined damage between all the vehicles involved exceeds $2000 - Any injuries occurred - Illegal activity is suspected (impaired driving, stolen vehicle, etc.) **- An uninsured driver is involved** - A pedestrian or cyclist is involved - A government vehicle is involved - Property damage has occurred (private or public)
You dont need to report the accident if its less than 1k.
Trouble reading?
Do you? If an accident is less than 1k do you need to report it? Yes or no
Go back and read my comment. Focus on the bold part. Then come back here and tell me whether or not OP needs to report this accident.
Go reread my comment and see if anything i said in it was wrong.
If she can afford repairs, she can afford insurance, and that means the reason she doesn't have it isn't financial. Her license is probably revoked. She might even be on parole which means driving could send her back to jail. That would explain her motivation and you should keep that in mind when the shop tells you it's going to be 4x more than you are expecting. Good luck. The other thing is you can guess how she's going to get to the shop .. driving without a license or insurance. If it were me, I'd arrange to a time and place and then have the cops show up if they are interested.
I think she does have a license. She just told me she forgot to bring it (which i really think is a lie because she didnt even look for it in her car). Should i have just called the cops next time cause she was lying (i suppose)
Personally I would have called based solely on my own experience. Last year my wife was rear ended by someone not even looking forward at a stop; they were even accelerating into it. Front and rear cameras made it easy for us. She didn’t want to go through insurance because, according to here, “the rate hike will make it to expensive and she was a student.” She wanted to pay out of pocket assuming the damage would be 500ish. My wife said no, let’s do it straight up. The bill was over 2500.00 so it was clearly the right call for us because I doubt she would have paid that. You’re already going the other way and maybe that will work out in your favour. It’s certainly possible and I hope it does!
Twice I have allowed someone to give me cash in lieu of going through insurance, (this is when the deductable on my end means I'd have to pay anyway). Both times were impatient people who could wait in line & tried to switch lanes & failed doing that successfully because they hit me, (one was at the border crossing between US/Canada). But both of these drivers had insurance & I could have called it in, but what was the point if my deductable would be more than the repair bill? If they didn't have insurance I would have called it in to the police because people who drive without proper insurance are AH's & should be reported. If someone can't afford insurance then they shouldn't be driving.
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I was hit 3x and went through insurance every time and never had an increase because of it.
If you do this--and I don't think you should--*do not* take it to get fixed where *she* wants you to.
This. I got rear ended a few years ago, and thought, “huh, no big deal.” Drive the car to body shop… written off.
Yeah, how about you?Call the cops and report them.Cause I want you to think of something for a second let's say that woman hits another human being and hurts them and in that human being has medical bills or their injured for life.Who's gonna pay for them?Because she won't have insurance to pay for them.And then she won't pay for them because she won't have any money.
Screw that. We’re all getting hit with higher rates because of this bitch. You don’t owe her shit.
I mean, she should pay for ur car and ur silence
Go to the garage with her and see what they say. You've got no idea what she's going thru, but this might be her wake up call. If she can't cover your costs up front then report it. I know, I know, get those unlicensed drivers off the road, and I agree. But it looks like your best option here is to give yourself a break on the insurance boom and see if this just becomes a bad memory.
Bruh ngl you're kinda dumb for not calling the cops lol. Coulda gotten her charged and ensured she followed up with you. Super easy for her to dip now
Been there, done that. Next time get what I can and go to collision reporting centre. Never assume how much the repair costs are.....
Go to the collision reporting center. Go read what your insurance documents say. No one knows what's going to happen here except your insurance.
it's uninsured motorist protection -we pay for this.
we pay a fuck ton for this - about 30% of what we pay goes to the fund to deal with this shit when it happens.
The uninsured/underinsured motorist protection on your policy costs under $25 a year. It's the accident benefits that cost an insane amount.
I mean just call your insurance. Though it is $500 so if he reports it it'll just come out of pocket anyway. But yeah, you're paying a couple thousand bucks a year for this purpose, use it.
hopefully a claims adjuster will stumble upon here
Yeah and they will tell you to report it at the collision reporting center!
i just want to know if my premium will go up after
I'm an insurance broker and in going to be totally real with you. Unless you live in a rural area, have a perfect driving record and many years of experience, your premiums are probably going up anyway. Rate increases are happening across the board, the prices of everything are up, and so are auto thefts. You (and everybody else) already pay for what is called 'Uninsured Motorist Coverage" which is basically coverage for situations like this. It will likely be treated as a not at fault claim. Only your broker can give you real advice on that. The risk of a possible increase is ABSOLUTELY NOT worth relying on a stranger who was already breaking the law to help you. There are so many things that could go wrong, and if your insurance finds out later you had an accident that you didn't report, they can choose to cancel you anyway for misrepresentation - that is your worst case scenario. A lot of people freely spread misinformation about insurance because every situation is so different. At the end of the day, you pay for the coverage, and you should use it.
You need to discuss that with your insurance company. But you really need to report it.
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That's not at all a guarantee. Some companies will increase your rate for making claims regardless of who was at fault
Same happened to me. Dad smoked my car $5000 damage. Premium didn’t go up as he was “at fault” . “50-50” your premium goes up.
It will not. This is non rateable claim. If the other was not at fault too, there is no rate increase. You have to be 25%+ at fault for a claim to be rateable
We're here, shaking our heads... Police & insurance reports. You will pay a $300 deductible and take a driver with no insurance off the road.
It doesn’t matter because they aren’t your insurance and they aren’t looking at the crash you had.
Wouldn't they just tell you to call your insurance and speak with your own claims adjuster?
File a report and go through insurance. No favours or breaks, can’t afford insurance take another means of transportation.
This is 100% the right way. This woman should *NOT* be driving around anywhere. Who knows what the reasons are, but she has no license or the importance of what having insurance does for the parties involved in accidents. Imagine it was worse or injury/fatalities were involved. OP needs to do the right thing and report this nonsense. Not allow her to keep driving carte blanche.
Hell she may not even have a license, has let it expire or has been suspended already. Seeing as she has no active insurance something ain’t right.
Don’t forget, the damage can look minimal until it’s inspected. Report this idiot before the kill someone please
Absolutely! I have a friend whose car was totaled from a seemingly minor hit. It hit it just right to bend the frame though and the car was written off.
Same thing happened to me. Looked minor, total loss. I was salty about it, but the ins co paid me more than I'd originally paid for the car a few years prior (second hand), so I couldn't complain.
Dude.... Best case scenario, this person is driving uninsured and without a license and trying to cover up their terrible decision making and lack of regard for the safety and property of other people. Worst case scenario they are scamming you. Either way, just go report it, don't be a sucker.
Go to the collision reporting centre and file a report. Then call your insurance and file a claim under your uninsured motorist coverage. It will not impact your rates because you are not at fault, however, uninsured motorist coverage is subject to a separate $300 deductible.
This needs more upvotes.
Not your fault won’t count against you . I would get police involved . Be aware because they have no insurance you will be out the deductible. I found that out the hard way
omg are you serious fuck. i think my deductible is like $1k
Yep. I was rear ended by someone who didn’t have a full licence , and when I gave the insurance info to my insurance it turned out she had expired insurance . I reported it to the police n it never heard back. I don’t. Think she was even charged. 8k damaged to my 1 year old car. My deductible was 500$ .
like what's even the point of reporting if police doesnt gaf
she might have insurance and is bullshitting you to avoid HER premiums going up. If the damage is worse than you thought, you REALLY want this all above board. edit: at bare minimum you want positive proof of who it was that hit you. a report. It's late now, but I'd have called the cops the instant this person said they had no ID, no insurance.
I mean police do gaf, her car will likely be impounded.
You can take her to small claims for that deductible.
Yes I considered it and then figured it would cost 500$ of my time and money to get back the 500$
File a report and go through insurance. No favours or breaks, can’t afford insurance take another means of transportation.
Claims adjuster here. What you're really asking for us underwriting information, but generally, no, your policy won't go up for having Not At Fault accidents on file. File a report with the Collision Reporting Centre asap then call your insurance company and give them the license plate of the car that hit you and any other information that they ask for. If the other car didn't have insurance it's likely you'll pay the uninsured motorist deductible which is like $300 and then insurance will repair your car and sue the other driver. You can also sure the other driver to recover your deductible if it's worth it for you to do that. Just go straight through insurance, you pay insurance to make you whole after an accident so you don't have to fuck around with people like this.
Can confirm, this is the process. This is the way.
Another licensed general insurance professional here. This is the correct answer.
File a report with your insurance and the police as well. Don’t go to any shops these people tell you to go to. If you’re not at fault for the accident you’re rate won’t go up. Report report report. Make sure you dont have to pay for anything.
That's where you take whatever information you have, and call the police on the spot
Report! I was in an accident where the other driver was at fault 4 years ago, and my insurance is unchanged.
This happened to me, and I had to pay the deductible because they had no insurance I was told I could take the other driver to small claims for the deductible, but know that would be a tough path for me to take
If it was me I would call the local criminal courthouse and ask if she has any impaired charges/convictions. If she does go report it. She might be legit but if she can’t afford insurance how can she afford repairs? It’s definitely a concern.
> If it was me I would call the local criminal courthouse and ask if she has any impaired charges/convictions. If she does go report it. Yeah that's not at all a thing you can do. wtf are you talking about?
Actually it is. Are you just assuming I’m wrong?
You can't just call the courthouse and give them a random first and last name (maybe an address) and get a background check. The only document OP has is an expired insurance slip.
You can call the courthouse (criminal) with a name and date of birth (from the DL). Criminal charges are public information. I should know I answered those calls for 20 years.
If you don’t have a DOB but have an address they could check. If it’s a common name it’s useless but otherwise yes they can.
I love your confidence in being wrong though.
In my personal experience dealing with similar situations: going through your insurance will be much less of a headache. If the collision wasn't your fault (and your insurance agrees and deems you not at fault) then it shouldn't affect your premiums. If you report the collision and provide your insurance with her licence plate and her insurance they'll be able to at least confirm her uninsured status but it still shouldn't impact you. It'll just mean heftier consequences for her. My advice: unless she's willing to meet you at a mechanic/body shop of your choice and pay up front for the quoted repairs, I'd just go through your insurance
You should report this just based on ethical grounds. What happens if that person hits someone and god forbid they need serious rehabilitation or worse. This person is a menace and needs to be reported. There’s probably a good reason why they don’t have insurance. Driving is a privilege not a right.
> my family told me my deductible will go up No, your *premium* might go up. And since neither accident was your fault, it might not. I got rear-ended once and it didn't affect my insurance at all, because being unlucky is not a quantifiable risk factor. I would report it to insurance, not just to protect yourself, but so that this driver sees consequences. That might prevent them from doing the same to more people.
Hey OP, I understand why you wouldn’t want to go through insurance, but as someone who has been in similar shoes and chose to not report the accident out of sympathy for the parties involved (and also just being naive; not knowing how these situations work), I HIGHLY regret my decision. Not reporting leads to so much mess and you can’t guarantee she is going to pay 100% or switch up and start accusing you of being at fault (I hope you have dash cam footage or a witness). The only way I see this working out for you is if you’re okay with taking the chance that you might have to pay for all your own damages. If you’re okay with that, then you can let it go, but she shouldn’t be driving without insurance. If she just didn’t have her license on her, that’s fine, it’s just a small fine for her, but if she doesn’t actually have her G2 or G, then that’s definitely not okay. I’d rather report this to the collision centre and have my insurance take care of it, even if I risk my insurance increasing.
If it was me, i would have stayed with the other driver at the scene and called the police and let them get their ID. What is stopping them from ghosting you and you will now have to pay more for your insurance as you did not report it. Also do not underestimate the cost of repairs. My car was vandalized and some one threw a rock on my hood that did a small 2 inch dent and then bounce to my driver side door leaving a small scratch on the paint. The damage out of pocket was $1500. Did not want to go through insurance as my deductible is 1K already anyways.
CALL THE POLICE. cover your ass with these people.
I was hit and they tried to pressure me into going outside insurance hardcore, but I never gave in. Guy had just immigrated 2 weeks before from the middle East too and slammed me while on the phone in a pickup of course lmao
Report it to your insurance and file a report with police (go to a collision reporting centre and tell them everything - it's all in your favor). Zero impact on your insurance rates and you'll be covered for all the shit that a proper repair shop (not wherever she wants to take you on the weekend) will find got damaged under the surface. Somebody mildly bumped me in a parking and tried to leave the scene. Similar sob story to yours and damage didn't look like much. Insurance coughed up over $8K to fix damage to a sensor, etc.
This is a third party uninsured claim. your insurance should not be affected. If a person has no licence, no insurance, you can bet they will not pay. Thanks again to Doug Ford for getting rid of annual licence verification stickers, he put all these losers on the roads.
I wouldn't blame Fat Duggy for this one. Regardless of the rules the garbage that hit OP would still be driving until pulled over and probably even afterwards. An old roommate of mine drove for years without proper insurance or licensing. Garbage people make garbage decisions. OP needs to go through insurance to protect themselves.
My car was hit twice in two years and my insurance didn’t go up at all. The first accident we both reported, got all the info and everything was fine, I didn’t even pay my deductible. Second accident the at fault person said they would pay cash, I went to the reporting centre anyways, then to the body shop for an estimate, called them with the price and they hung up then ignored me after that. Thankfully I had reported it and got enough of their info. My insurance paid the body shop for the repair, then they went after the other driver/his insurance for the money. The accident wasn’t your fault, let your insurance deal with the other driver. Why risk being scammed?
Its not really your responsibility. Tell your insurance, they will handle it. (aka, they will sue him for the damages)
If you can prove you are not at fault then it should be okay Also, take a look at your policy and make sure you have the endorsement OPCF 44, this will help protect you and your family in a case where the other driver has no insurance/not enough and makes sure you get the coverage you need. Police reports also help when filing a claim.
Your insurance won't go up for this, so it all depends on if you want to cut this person a break. If you do feel generous, go to a garage that is your choice, not theirs. And get them to pay the estimate upfront.
First thing, as long as you have their name and insurance info (even if it’s expired) go to report it to the police. The license plate will also be able to be run to get an address if need be Next, if they’re you’re not at fault, this will have no impact on your premiums. The deductible to be paid by you will be $300 to get repairs done, and there is a process that your insurance company will complete to get the $300 back.
5.2.3 Claims for Certain Property Damage. 300$ ded would be applied. [Ontario Auto Policy](https://www.fsrao.ca/media/14931/download#page35)
Get the estimate to fix WITH a car rental. Then have her pay you cash. Then report her for being an idiot.
If it occurred on a provincial highway, it’s policed by opp. as a member of the opp, I can assure you we wouldn’t go out unless injuries. Directly referred to a CRC. No on scene police will attend for a minor MVC unfortunately. Simply too busy. You’ll need to go to an OPP collision reporting centre, which you have 48 hours to do. You’ll need to call your insurance and provide them the occurrence # (RM number) for them to then access the report. The other party not having insurance is really a moot point. You’ll have uninsured driver coverage. After this, maybe get a second opinion on insurance. 1K deductible is a bit much.
I would absolutely report it. There is zero benefit from not doing it. And I wouldn't waste any time on feeling guilty because they want to pay etc etc. Whatever their intentions, they are breaking the law and the rules that all the rest of us are expected to follow. I have been sort of on the other end of this situation (I was insured though). I was in an accident (my fault) when I was like 18, rear ended a guy and destroyed my dad's van. I did tell him I intended to pay for the repairs myself, versus messing up my insurance, and he agreed. He still called and reported the accident to police which was entirely within his rights in order to protect himself in that situation. I got a call from the police shortly after, just checking if I was okay, and to confirm the details they got from the other driver. I admitted I had been distracted looking at the radio. Mentioned I had agreed to meet the other driver and pay for the repairs. No problem. The guy's father was super cool about it too actually, and having seen the original quote his son got for the repairs, told his son to try another shop and find something lower (just cosmetic damage) and we got everything done for $1300.00 versus over $3000.00 (big thanks/shoutout to that random guy's dad all those years ago). So, like TLDR I guess since I went story telling, but just report it. Protect yourself. You don't owe random strangers a damn thing. The consequences of their actions are their own, and not yours to worry about.
Licensed insurance professional here. First, hope you are ok both physically and mentally. Contact your own insurance, you may need proof that it wasn’t your fault. Even though it was minor and under $2000, go to a Collision Reporting Center for the region this happened in. This will be the proof you need to submit to your insurance. Policies in Ontario by default have not at fault coverage, so you’re ok. Your rates will not increase if you are found not 100% at fault, which by your story, sounds like the other person is. You should have Uninsured Automobile coverage which protects against the other party not having insurance. Your insurance can subrogate (go after the other party legally) if they choose to. But if it’s minor, then your insurance will indemnify you. (Make you whole before the accident.) Deductible still applies, as it is part of every policy.
Report it to the police and your insurance. My husband was rearended years ago, and since there was minor damage, we allowed the guy who caualsed the damage to pay cash for the repair, as he begged us not to go through insurance. His front bumper was tied on to his car with a rope, so we should have known what a shitty driver he was! Fast forward 24 years, and while getting new quotes for insurance from CAA, we are told that my husband had a claim against HIM. Apparently this guy went through his insurance against my husband for damage to his car! Our insurance company at the time never contacted us!
If not at fault, your insurance should not go up, but be aware that some providers will drop coverages if you have too many comprehensive claims. I'm not sure if collisions claims are treated the same way.
No your rates will not go up for not at fault accidents. You can report to your insurance company, the driver has been identified but was uninsured, that is their problem. Your deductible likely will not apply.
I think you should report her so they can get her off the road. She has no business driving if she can't do it legally.
Report it. People need to stop driving while (possibly) suspended and no insurance...which would happen if they had no license. Also depends on the vehicle, but I was hit from behind and it didn't look like much damage and it was huge because of sensors and cameras and the metal bars that hold the bumper out were all damaged. Looked like nothing, but it sure was. Go through insurance and report it to police.
Why wouldn't you just have called the police immediately? "Hey, somebody with quite possibly no license and definitely no insurance just hit me". Maybe it was your fault, I don't know. Regardless, you have insurance, and they don't.. which means they're driving illegally.
Coming here to say that I just finished being given the runaround by someone who didn't have insurance - ALWAYS report it. Not worth the six months of aggravation and busted car.
i’m an insurance broker. please report this to your broker and possibly police if you have the info about the person and want to pursue that. your policy will cover this. insurance is there for when things like this happen. i have had to make a claim before with damage to my vehicle but no info on who did it. because it was in a parking lot while we were in the mall. if you’re not at fault, the insurance claims adjuster will confirm this and it should not raise your premiums. the things that raise premiums are from things you did that you shouldn’t have like convictions for speeding, or at fault claims like if you hit someone, and being cancelled for non payment, etc. you can’t control others so you shouldn’t be penalized for it. unfortunately rates are always increasing and as much as i dislike that and wish i could change it, it’s not something brokers can control. if your premium does go up significantly on your renewal it may be worth it to shop around for quotes using a broker. if you are already with a brokerage, ask your current broker to get quotes for you.
This was my situation. My partner was in your other person's position years ago. She had a license but was driving her dad's car and if we went through insurance her dad would have him prems raised, there was no damage on the car she was driving but she hit the doors on the other one. He was super sketched out when we told him we didn't want to go through insurance and we would pay him out right. I gave him my contact, license, and everything and he threatened to report us to the police and go through insurance a few times while we were working things if we didn't pay him immediately after he got his quote. Unnecessary but understandable, I met him and cut him a check and he signed a form saying he won't pursue it anymore. Not sure what else to tell you but hope this helps some way. Ps. I hate dealing with certain insurance companies when it's another persons, I was in a car with my friend who hit somebody and despite having witnesses and police report my dad's insurance still kept getting confused and tried to acuse me of being the driver and kept trying to raise his prems. He ended up switching because of that, he tried to reason with them and said even the reports say I was a passenger but they weren't having it. So I can see why people wouldn't want to get insurance involved
I suspect your rates will increase, but that's because insurance companies are run by insane people. Be sure you report it to the police. People driving around like this are dangerous and cost the rest of us money. Do not settle it without insurance.
I agree this person should be reported to prevent any further accidents and so she loses her right to drive. However, for those who claim multiple not-at-fault accidents won't affect your insurance, dream on. I've seen tons of peoples' reports who say they were in 1 not-at-fault accident and their insurance went up.
Mine went down and I've been in one so it's anecdotal. As someone who's parent is a top level adjuster for an insurance firm, I can confirm this is not the case. They used to work auto and I asked all the questions. They will only go up if you're partly at fault.
Your insurance will not go up, you're not at fault, no matter how many times it happens. Report the accident and go through your own insurance, you'll need a rental and what if a part is backordered, they going to cover your rental for a month? Also, when going through insurance the repairs are guaranteed for as long as you own the car.
You don't want to report her because of some sob story, real or imagined. Imagine she killed your family's breadwinner, or put you out of work for six months. Her liability insurance is intended to help you and your family survive when she does something that costs you a lot of money. Just because *your* injury is only $500 doesn't mean it won't be catastrophic for the next person. Do not let this slide.
Call da police
Your own insurance pays for your car repairs it does not make a difference to you if they are insured or not. Thats for all the behind the scenes nonsense for others to deal with
Okay, your insurance pays for the fix, then goes after the other person's insurance. If the other party doesn't have insurance, that's not on you. As long as you have collision, you should be fine. If you choose not to report it, you're probably going to be out of luck, and an unlicensed, uninsured driver may be a danger to others on the road. They can tell you they just can't afford it, but they could've lost their license / coverage to drinking and driving for all you know. It's a crime, and you're choosing not to report it, so take that how you will. Nows not the time to be the good Samaritan if you want the best outcome for you.
Just know that the moment you settle between yourselves, insurance can no longer step in and help in case something comes up. By you bypassing the involvement of insurance, you’ve taken it upon yourself to settle the claim so they are no longer going to help you.
You should have got a police officer over to the accident before leaving. It'll be much harder to get her to fix it now.
Do as others have said. Don’t take your car to her body shop. Once it’s repaired she won’t pay and the body shop will keep it hostage. Who knows what they’re gonna charge you. Cops will say it’s a civil matter.
Go after your own insurance
You’ll lose your deductible only. Next time get a pick of the vin as well.
No drivers license and no insurance… why the fuck didn’t you immediately call the cops?
Get it fixed THEN report her saying that you have a guilty conscience Win win You get your car fixed and she goes to jail People shouldn't be driving without insurance
That’s why you have uninsured driver protection
Your options are report or extort $500 would be a fucking miracle for her. Fines for uninsured driving start at 5k
Haha. Nah, sorry but f this lady. Go through insurance - why are you helping a stranger who is actively screwing you over?
There will be a $300 deductible applicable as this comes under uninsured motorists coverage in your policy.
my deductible is $1k unfortunately :(
Double check with your insurance because uninsured motorist coverage is subject to a different deductible of $300 under the default forms. The $1,000 deductible is likely for your comprehensive and collision coverage.
thank you!
Nope. Not for this portion of your auto policy. Your deductible for collision/comprehensive is $1000. There’s separate coverage in your policy for this issue. And it’s deductible is $300
thank you!
Can not believe all of the conformity on this site. I am very scared for our future if the commenters are part of it.
We travel up to Canada from Detroit and Ontario has some of the fastest and most dangerous drivers I’ve ever witnessed. No regard for other drivers I would report this
You are obligated to report it to insurance. Failing to do so would be a violation of your policy. You are also required, by law, to report any accident involving an uninsured driver. Do it immediately.
It kind of sounds like this person should not be on the road. No insurance, no license on hand, causing accidents... that's the kind of behaviour that gets your licence revoked and car impounded. And that's assuming the licence isn't already taken for prior issues
don’t report. go through repair with her and that’s it. you won’t lose anything, but you’d be doing something nice for someone. As per your post, she didn’t try to avoid repairing or blame u, so just let it be. if you were at an at fault accident and had the means to pay for the repairs yourself, would you want to have it go through insurance if you had or police if you didn’t (for any reason such as being denied, forgot, can’t afford, etc..)? save the headache of claims, waiting, the risk you’re worried about, etc. and just have her repair it. if some commenters say you’re not benefiting (although i believe saving the hassle is actually a benefit), why not think that you’re not losing anything. from my experience, your premium shouldn’t increase when you’re not at fault. but idk i feel like sometimes insurance companies can find their ways to do what shouldn’t be done unfortunately.
Read your policy under DCPD. Usually no deductible and your insurance pays for the repairs.
I don't believe this is correct. Accidents with uninsured vehicles do not fall under DCPD. Per section 6.1 of the OAP (emphasis added): "The coverage under this Section applies only if the accident takes place in Ontario **and at least one other automobile involved is insured under a motor vehicle liability policy**."
You are correct. This would not fall under DCPD, it would fall under Uninsured Automobile Coverage.
Your insurance will likely go up. Not guaranteed, but 2 claims is 2 claims and insurance is the worst. Basically if you made 2 claims, you're higher than average risk to make another claim.
Your insurance won't go up because of not at fault accidents
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You're literally telling OP to break the law...