Parking lot incident | Page 2 | GTAMotorcycle.com

Parking lot incident

Krimesf4i said:
M
I have two questions here:
1) If she goes through insurance, will it affect her premium as well or only my GFs?
2) After my GF pays the shop for the repair, I'm imaging it would be smart to get the lady to sign a sheet of paper stating the dollar amount paid, and that the incident is now fully settled? Any recommendations here would be great - want to make sure my GF is covered.

Thanks.
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1, Only your GF's premium will increase.
2. Your GF will probably not be paying a shop, she will more likely be paying the other driver directly. The other driver may or may not get their car fixed... remember, the other driver is doing your GF a favour here by keeping it off the books.

getting something in writing can't be a bad idea, but it does not in any way prevent the other driver from reporting the collision to their insurance company - without making a claim. Having something in writing does not guarantee your GF's insurance company will never find out about her at fault collision.
 
Noobierider said:
As far as I know, someone correct me if I am wrong but accident on private properties ie parking lots aren't treated the same way as if it was on a street when it comes to figuring out the at-fault of drivers. From previous experiences such fender benders are a 50/50 split in terms of the fault. You may be able use that for leverage when it comes to negotiating her claim.
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You stand corrected. For insurance purposes parking lots and roads are treated the same:

Ontario Fault Determination Rules, RRO 1990, Reg 668

Section 16: Rules for Automobiles in Parking Lots
 
Was there any visible damage to the lady's truck? Any witnesses? Any photos taken? If not, how can she prove anything? Based on your description of the events, it sounds like this lady is taking advantage of an opportunity to cash in.
You tell her the amount you're willing to pay if you think she's taking advantage of your girl. Then have your gf's tail light and driver's license replaced and ask her insurer for a replacement policy card. If she tries to screw you tell her you don't know her and that your gf lost her card purse at the grocery store and how dare she try to blame her for her own car falling apart ;)
 
Thanks for the advice, much appreciated. My GF contacted the shop directly and the guy there seems great. He's offering to do the cheapest rate possible - under $700 cash. He let her know the lady (owner of the car) can call his shop to confirm the new price if necessary. He also recommended the same as djltoronto, that she give the money directly to her and have her sign the settlement paper then.

My GF received an email from the lady stating that she's taking her car in for the repairs first thing next week, she's not willing to wait any longer. My GF responded with a request to meet tomorrow morning to hand over the cash, but hasn't gotten a reply... hopefully she'll respond in the morning.

This women seems a bit scattered from the way the conversations have been going down. I wouldn't be surprised if she called her insurance company about the issue already. Is their any way my GF's insurance company can find out about the incident without a claim being processed? And if so, can this influence her rates even if a payout/claim hasn't been made?

We've been fortunate enough not to have to deal with this kind of situation until now. Fun times.
 
All seems to be resolved. The 600 cash was given to the lady and the paper signed. Thanks for the advice.
 
Your gf got off easy, other driver was honest about repair cost and didn't ask for compensation for her time lost. Things could've been a lot worse, your gf could've been in Brampton or bumped into Ragu.
 
RetroGrouch said:
Your gf got off easy, other driver was honest about repair cost and didn't ask for compensation for her time lost. Things could've been a lot worse, your gf could've been in Brampton or bumped into Ragu.
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Nothing worse than being Ragu'ed without an active dashcam.
 
I know its resolved and all but i always see it that way

Dish out a big amount now, or dish out medium amounts over 6 years on your insurance.
 
LePhillou said:
I know its resolved and all but i always see it that way

Dish out a big amount now, or dish out medium amounts over 6 years on your insurance.
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Its not even a big amount, its a fair amount.
 
Noobierider said:
As far as I know, someone correct me if I am wrong but accident on private properties ie parking lots aren't treated the same way as if it was on a street when it comes to figuring out the at-fault of drivers. From previous experiences such fender benders are a 50/50 split in terms of the fault. You may be able use that for leverage when it comes to negotiating her claim.
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Correct, the OP and his girlfriend DON'T have to pay anything, I touched a car at a parking lot (slightly) with NO damage and the owner wanted $500, I offered him $50 because both of our cars had SQUAT damage on them, he said he was going to call the cops and call insurance I told him go ahead, cop arrives and says he cannot do anything because it's private property, the guy then comes to me asking me for my insurance information, I refused to show him my papers and told him to go ahead and report me to his insurance, I *never* touched his car and was his word against mine and there was no evidence of a "hit".
 
IXFe said:
maybe partially at fault? like parking in a fire lane or in the middle of a lane way or where it just ought not to be?
eg. If i pull up on my Honda Rebel 250 to the Kwik-E-Mart and just run in to buy some smokes, but I decide to "park" my bike in the lane way directly behind a cargo van a couple inches from his rear bumper. What happens if the cargo van starts backing up and runs over my bike? The cargo van driver will be very surprised to see that I had parked directly behind him in the lane and claim that I am partially to blame for the accident by parking there.
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Replace your Honda Rebel with a 3 month old in a stroller. Do you think it would be excusable to run over the kid? Either way it is still the driver's fault backing into something. Before you back up you should be ensuring there is nothing there. If you don't, you're at fault.

And to the OP - pay up and be thankful.
 
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