Not-at-fault accident for car insurance

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daytona675

Active member
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Long story short, my old mans Audi got rear-ended (VERY light love tap). He simply stopped at a traffic light behind some other cars, they guy behind up was tailgating and tapped him. Sounds like a not-at-fault to me.

Now me and my pops have had some terrible driving records accumulated in 2010. We both had one at fault accident each in Jan of 2010, he went on to get two minor tickets in Jan/Feb of 2010. Since then nothing has happened, and prior to Jan 2010 he'd never been in an accident or gotten a ticket in 40 years of driving.

We're with RBC for car insurance, on the same policy. Does our premium go up for this not-at-fault accident? Is there ANY change in what we pay or will pay in the future?
 
daytona675 said:
Long story short, my old mans Audi got rear-ended (VERY light love tap). He simply stopped at a traffic light behind some other cars, they guy behind up was tailgating and tapped him. Sounds like a not-at-fault to me.

Now me and my pops have had some terrible driving records accumulated in 2010. We both had one at fault accident each in Jan of 2010, he went on to get two minor tickets in Jan/Feb of 2010. Since then nothing has happened, and prior to Jan 2010 he'd never been in an accident or gotten a ticket in 40 years of driving.

We're with RBC for car insurance, on the same policy. Does our premium go up for this not-at-fault accident? Is there ANY change in what we pay or will pay in the future?
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A not at fault accident should be covered with no effects on your insurance as well as your deductible should be waived.
 
jeffjones said:
A not at fault accident should be covered with no effects on your insurance as well as your deductible should be waived.
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If he had insurance. If the other guy is uninsured, the deductible still applies.

2smokewilleh and abadjusterrider know more about this than others (as it's their job), treat everyone elses advice (including mine) as well meaning hearsay.
 
Sounds like a textbook not-at-fault claim. This will be covered by Direct Compensation Property Damage (DCPD) which has a $0 deductible. No insurance company is allowed to adversely affect your rate for a claim in which you not at fault. Since the Auto Reform of 2010-09-01, no insurer cannot adversely affect your rate if you are deemed <= 25% at fault according to FSCO's Fault Determination Rules which can be found here (refer to 6.2 for your situation):

http://www.ibc.ca/en/car_insurance/documents/brochure/on-fault-determination-rules.pdf
 
Thanks everyone, and thank you Viffer for the clarification!

Damage is estimated at $1500, its two small dings, but can't be fixed, you gotta replace the bumper.
 
No problem.

It was a very light "love tap" and the body shop can't repair it? Sounds like they're juicing the system to me.
 
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