Quote:
Originally Posted by Tcoat
Maybe that is how it works where you are but it is NOT universal.
We have what is called "no fault" insurance here. Doesn't matter who caused the accident it all goes through your own insurance company so if your policy doesn't include it you are not getting paid.
I thought I was very clear in saying rules vary depending on location but I guess you figure what applies to you is the same for everybody. It ain't.
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First of all, it looks like you're in Canada, so....
Second, here's a website talking about fault vs. no-fault states and their rules
https://accident-law.freeadvice.com/...-accidents.htm
And here's a quote from that website:
Third, if you want to accept some bullshit excuse and get screwed, that's fine. You do you, bro.
But I won't get caught being made worse off because some clown hits my shit.
Someone damaging your property and not being properly reimbursed is literally against America. The Pursuit of Property is one of the inalienable rights that the Declaration of Independence and the U.S. Constitution were
built on.
The U.S. Constitution and Bill of Rights has several amendments and mentions in it to specifically protect citizens and their property.
Quote:
Originally Posted by p1l0t
If you can prove they damaged it they are liable.
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Yes.
Quote:
Originally Posted by NoHaveMSG
Police here don't even cite people for it. My boss got rear ended 3 weeks ago at a stoplight, it is all going through his insurance. Other dude didn't have insurance at all. The only thing he can do is sue in small claims for his deductible back.
Hell, my cousin got hit by a car crossing the street. The driver took off. He gave them a description of the driver, vehicle, and plate number. They said since there was no injury or property damage, not their problem 
If that was the case, people wouldn't need special collector car insurance for their restored vehicles. They should be able to just submit a pile of receipts, right?  |
#1 - police are lazy. They do not
want to file a police report. It is more paperwork for them to write a formal report vs. handing you a "case number" on the back of their business card.
If you ask them, they may give some answer such as "we only file a report if someone is injured and needs an ambulance"
The truth of this can vary by state, but it is in your best interest to pressure them to write a report. It will make fighting your claim much easier.
If there is no police report written, it can make it easy for the 'bad' driver to wiggle out of it being their fault, or lessen the severity of the accident. This mostly applies to accidents that 'could be argued'. For example, someone slams into your rear end at a red light, that's pretty much open and shut, but other collisions aren't as clear-cut.
As a result, you will need to rely on other evidence to prove it. Dash cam footage, pictures you might take of damage on the vehicles, their testimony, etc.
#2 you cousin got hit by a car crossing the street and there was no injury? That doesn't even make sense. Moving on...
#3
special collector car insurance for their restored vehicles
Not really the same thing... Those kinds of cars are not easily appraised, so a regular car insurance company (who specialized in insuring Toyota Corollas or similar) cannot properly gauge the value of the car.
Also, collector car insurance usually means the car is rarely driven, if at all. That's why it is often cheaper.
People would get this insurance for their show car, rarely driven, and it's mostly for peace of mind in case of theft, a natural disaster, or etc.
Quote:
Originally Posted by NoHaveMSG
I get what you mean
. Like @ Tcoat, I am stuck in no fault state purgatory  |
Again, no-fault state applies to personal injury, only. Not property damage.