Quote:
Originally Posted by bhbnuckle
I haven't opened a claim yet, they were saying once the claim is opened it will be remained on my history and has to pay deductible in advance so i said nono.
Should I visit actual police station to give away the information instead of just wait for collion centre police get back to me?
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Where my collision happened (Brampton), the reporting centre was a police station...to be honest, I am somewhat surprised that you could even file a report at the collision centre without the insurance information of the other party...but that's beside the point here.
Have you asked your insurance company if the license plate number of the other vehicle will be enough for them to find the other party's insurance information? In my case, my insurance company (wawanesa at the time) was able to find the other party's insurance information using the license plate #, owner name, and insurance company name. I suspect the only important piece of information is the license plate # though.
Going to the police station to ask for information may still be worth a try though, you don't really lose anything except for the time to go there. You should probably also get yourself a quote from a decent shop, and try to determine if the
potential increase in your rates will cost more than simply getting it fixed on your own dime. I know it sucks, but such is the system here.
The way I see it, you have three options:
1. Ignore insurance, get it fixed yourself. Probably cost $300? Get a quote to be sure.
2. Open a claim, and insurance company finds insurance information of other party. Cost to you after all is said and done = $0 (after reimbursement) + potential rate increase? Inquire with your insurance as to whether your rate may go up.
3. Open a claim, and your insurance company cannot find insurance information of other party. Cost to you = $deductible + potential rate increase?