Random Thoughts - Part Deux [NO POLITICS]

[humfrz]

Originally Posted by Cole

Ah yes, because catching a glimpse is entirely equal to staring.

I have better things to stare at while I'm at the gym. Mostly me, and my form while lifting things.

Ah .... OK, I got the picture ........


humfrz

[Cole]

Originally Posted by MrFisty

If you're relaying the details to us, a glimpse vs stare doesn't quite matter.

Where'd you buy your high horse from? I'm in the market for one after your posts.

That's kinda like saying "hey guys, I saw an F40 while driving today!" And then having someone say "you should be focused on driving"

[MrFisty]

Originally Posted by humfrz

Ah .... OK, I got the picture ........


humfrz

I almost spit out my dried mango on my screen.

Originally Posted by Cole

Where'd you buy your high horse from? I'm in the market for one after your posts.

That's kinda like saying "hey guys, I saw an F40 while driving today!" And then having someone say "you should be focused on driving"

Bought it off the net.



No, it's not.

[MrFisty]

Originally Posted by Tcoat

It does not work that way here. We have what is called "no fault" so each party's insurance pays their own customers claim.

https://www.insurancehotline.com/new...uto-insurance/

How No-Fault Insurance Works
Ontario is a no-fault insurance province. While this sounds to most people like it means no one will be found at fault in the event of an accident, it in fact means something very different. Whenever there is an auto accident there will be a determination of fault. In a no-fault system what differs is how the claim will be paid out.

In a traditional system, the insurance company of the driver who is found at fault will pay out on claims for both their own insured party and for the other party as well. Because their insured has been found to be at fault, that driver’s liability coverage kicks in to pay the claim. In a no-fault insurance system however, it does not matter who is found at fault – your own insurance company will pay your claim and the other driver’s insurance company will pay theirs.

If you are found at fault in an accident, you will still face an increase in your insurance premiums as a result. Ontario’s no fault system makes certain that claims are paid out quickly and without waiting for fault determination, allowing everyone to get straight to repairs on their vehicles.

Fun fact, this is the first time it ever occurred to me that province's regulate differently.

Are any of the discrepancies as bad as the ones in US?

[Sarlacc]

Originally Posted by humfrz

Well, that's a shame .......

I have found that when dealing with European drivers ...... it's good to learn to read their faces .......


humfrz

Sounds like there's a good story or two behind that statement? I'm intrigued :-)

[JD001]

Originally Posted by humfrz

Well, that's a shame .......

I have found that when dealing with European drivers ...... it's good to learn to read their faces .......


humfrz

Hence Brexit...

[Sarlacc]

Originally Posted by Cole

Got "sideswiped" this evening.

Dude rushed up the merge lane, came to a stop, I didn't let him in. When the light turned green, he kept going and hit me.

Damage is likely able to be buffed out. I didn't want to report it, but he got the police involved. Now I have to take time out of my day tomorrow to go to the reporting centre.

When we exchanged information, the plot thickened. Rental car being driven by the other party. Then it thickened again, Austrian (or EU, I guess) license.

Awesome

Sorry to hear that
Sounds like you'd fit right in here in Oslo, though. The general consensus is "if you don't know which lane you're supposed to be in at least 500 meters before the signs tells you which lane you should choose to get to your preferred destination, you have no business driving around here at all and we'll aggressively close all gaps and try to force you off the road, as punishment for not being born in Oslo."

Took me a few years after moving here, but now I'm fully assimilated and drive just like that, too.

[krayzie]

Wow I never knew Oslo is like friggin' China but white skinned.

Just YouTube "Bad Drivers of Oslo & Akershus, Norway".

[Sarlacc]

Originally Posted by krayzie

Wow I never knew Oslo is like friggin' China but white skinned.

Just YouTube "Bad Drivers of Oslo & Akershus, Norway".

LOL I've never even seen those before.
I once asked a cab driver in New Delhi about hiring a car there and if he had any advice, and he said "If you're going to drive in India, you need a vehicle that has three things. Good brakes, good horn and good luck".
Same principle applies in Oslo.

[Cole]

Originally Posted by MrFisty

I almost spit out my dried mango on my screen.



Bought it off the net.



No, it's not.

Ah well, I guess I'll just have to live with the fact that you're a better person than me. But I guess if that were the case, you wouldn't be trying to prove it.

I guess all that's left is that you're maybe an arrogant ass who likes to flaunt an air of superiority?

[Dadhawk]

Originally Posted by Tcoat

It does not work that way here. We have what is called "no fault" so each party's insurance pays their own customers claim.

Interesting, although I knew what "no fault" was I have never lived in a state where that meant if you were found to be "the victim" you had to pay a deductible. Every place I've ever lived if the other party was at fault then there was no deductible for "collision" or "uninsured motorists" if your company paid the bill.

[Tcoat]

Originally Posted by Dadhawk

Interesting, although I knew what "no fault" was I have never lived in a state where that meant if you were found to be "the victim" you had to pay a deductible. Every place I've ever lived if the other party was at fault then there was no deductible for "collision" or "uninsured motorists" if your company paid the bill.

Whether you pay the deductible or not is more a case of what sort of coverage you have and what the policy states. My coverage has no deductible for not at fault but I pay a bit more for the premium. In order to have a lower premium many people opt for the deductible.

[ScoobsMcGee]

Originally Posted by Dadhawk

Interesting, although I knew what "no fault" was I have never lived in a state where that meant if you were found to be "the victim" you had to pay a deductible. Every place I've ever lived if the other party was at fault then there was no deductible for "collision" or "uninsured motorists" if your company paid the bill.

NYC has a no-fault policy as well. I believe it was to help curb insurance fraud. People would buy two cars with catastrophic issues that are worth something if in perfect working order. They'd then target a victim and have one person box them in, then the other cut in front of them and slam the brakes. Since typically the person who rear-ended someone is at fault without contest, they would collect the value of a pristine vehicle against the victim's insurance.

[Tcoat]

Originally Posted by ScoobsMcGee

NYC has a no-fault policy as well. I believe it was to help curb insurance fraud. People would buy two cars with catastrophic issues that are worth something if in perfect working order. They'd then target a victim and have one person box them in, then the other cut in front of them and slam the brakes. Since typically the person who rear-ended someone is at fault without contest, they would collect the value of a pristine vehicle against the victim's insurance.

There were several reason why Ontario went no fault and fraud was one of them. The term is confusing since there is actually still fault assigned. Things such as rate increases only impact the person that is at fault so the other person doesn't really take the brunt of the claim. What it really smooths out is the payment of claims. Since there are not two companies d1ckering back and forth payments are fast and relatively easy. Keep in mind that accident claims in Canada are usually just covering the vehicle damage. Since the Health Care is already "free" there are rarely medical costs that need to be paid.