Car Collision Damage Options for under $1000.00

[Navtej]

Hi all,

On June 18, 2014 while my car was properly parked on roadside in a municipal spot in Toronto and all the occupants were on the sidewalk, a Budget rental truck which was backing up hit it and damaged the front end of the stationary vehicle. The estimate for the repair is below $ 1000.00 and efforts for mutual settlement with the erring driver did not succeed. Do I have other options if I do not want to add a(no fault)claim in my insurance claims history.

Thanks for your time.

Navtej

[SettlementOrgMod]

Hello Navtej,

Thanks for sharing your situation with us.

It is great to hear from you again, although we are sorry to hear you have had this experience.

You may be able to find some helpful information in this Ontario Auto Insurance - FAQs Brochure.

Here is an excerpt,

How do claims affect my premium?

Some types of claims do not affect your premium. For example, claims where you were 25% or less at fault do not affect your premium. In addition, some companies allow one at-fault claim, regardless of percentage at fault, for clients believed to be good drivers, with little or no adjustment in rating or premium at renewal. Claims for theft, vandalism, fire, broken glass and collision (when you are not at fault) do not affect your renewal premium.

The Insurance Bureau of Canada also has an “Ask the Expert” section where you may want to send your inquiry to.

I hope this information is helpful. Please let us know if you have further questions and if there is any follow up to your question/situation.

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Anna
Settlement.Org Content and Information/Referral Specialist, CIRS
Settlement.Org

[Navtej]

Thanks a lot Anna. The information that you provided has been helpful.

Navtej