I got side swiped

[Soyabean]

K so at 2am i got side swiped by some homo who clipped my bumper from the left, I spun 90 degrees left, he kept on driving, and spun me 450 degrees. And he ran.... My car spun out and stalled and i was just shocked. He sped off and i couldn't catch him or get his plate.

I went to police station and reported it but now im afraid to call my insurance because i have some mods on the car. This is 100% not my fault, i was cruising at 60km/hr and this guy just went into my lane and hit me. I got a witness but he didnt get the plate either.

I got damage to my left rear door, bumper, possibly fender, and my rear left rim is all scratched up.

I will report to insurance tomorrow but would like some opinions first. I should be not at fault right because it is so evident he came into me. But will my premuims go up? Will they void coverage since i have some mods? Will i get my aftermarket rim back?

I would really like some opinion. Also, i got a report number and the police said i was not at fault but i did read up that police claiming me not at fault is not the same as insurance.

Now will my premiums go up because i really cant afford it and i dont see why i should pay out of my own pocket due to some negligant reckless driver. The cop restimated the damage to be $1500. Would i have to pay deductible if deemed not at fault by insurance?

Any comments or opinions would be greatly appreciated.

I'll put up pics when i get a chance.

[Noisy Crow]

Well that just blows.

Your insurance probably won't go up. This will help you figure out what your insurance company will do:
http://torontomazda3.ca/forum/showthread.php?t=19337
http://www.theepochtimes.com/news/6-7-12/43881.html

[Dante]

Better question, You alright?

[Fuman]

what mods do you have?
Dante, I think Soya is okay, since he went straight to the police station

[Noisy Crow]

Bit of advice: Right now you will be pissed off, stressed out, which means you won't be thinking straight and not necessarly making the best choices... and badly wanting to get your car fixed. :)

So: don't let your insurance company pick the body shop. They will talk about life time warranties and stuff like that... any decent body shop will give that to you anyway. Make sure that YOU are happy with the shop.

[Darkfrosty7]

Bit of advice: Right now you will be pissed off, stressed out, which means you won't be thinking straight and not necessarly making the best choices... and badly wanting to get your car fixed. :)

So: don't let your insurance company pick the body shop. They will talk about life time warranties and stuff like that... any decent body shop will give that to you anyway. Make sure that YOU are happy with the shop.

1+

[chinsterr]

from your description, the damages will be well over 1500

I hope everything works out

[MistaChin]

Unfortunately, although you're not at fault you will have to pay the deductible. But i'd make sure the mods on your car are taken off and returned to stock, otherwise the gay insurance company might try to give an excuse not to pay out the claim. Like chinster said, it sounds like a lot more than $1500 worth of damage

[Thrizzl3]

WHAT!!!!! must've either been a drunk driver or someone who thought they were part of "The Fast and the Furious". Good that your ok Ben

[philipfreire]

My mother in law is a manager for desjardins. She said u did the right thing by notifying the police and that you have a witness. Call your insurance. Tell them what happened and. They will investigate the police report. Give them your witnesses name and number and they will contact them. They won't look at your cat but when you take your car to a body shop they will submit photos of the damage so they can get approval from the insurance company to do the work for the price.

Take it to the best shop as they will do the proper work with oem parts. My new Yukon XL was hit downtown when I was parked and I witnesses it along with someone else and I caught the person running. I took it to 427 auto as I have family there. Since my insurance wasn't going up I wanted the best work. They ordered parts from GM and did the proper job.

It's a shame people hit and run but I witnessed it many times. Just know your rights

[DumpInfo]

Unfortunately, although you're not at fault you will have to pay the deductible. But i'd make sure the mods on your car are taken off and returned to stock, otherwise the gay insurance company might try to give an excuse not to pay out the claim. Like chinster said, it sounds like a lot more than $1500 worth of damage

+1 I'm with you on that.

Ben, I hate the fact that everyone nowadays are taking off especially in the recession too. This is just a thought but why not consult with another insurance company and see what they say to you that way you'll have a better idea.

[-RJ3-]

SOB i was just speaking with you yesterday afternoon... I cant believe someone would cause an accident nd run... Im glad your okay.. And as I said yesterdays rants.... Damn idiot drivers... Im guessing he was another stupid non modded car on the frigging cell phone.

Idiots plain idiots!!
and yes.. if you came from FandF... im sure the punk followed after.

[Soyabean]

Thanks everyone. Im ok. I actually perfect. Didnt really feel much except shocked when my car spun out. I just regret not chasing him down. I will take it to Acura 2000 where there is a body shop and my gf worked there before. Hopefully he can help me out and take photos

And im my gf is going to call my insurance RBC to ask about the stuff. Im just worried about my lowering springs and rims affecting the appraisal. On the police report he put the rim was damaged

[p-o-g-i]

My .02.......

I would never claim anything through insurance unless I really had to.
I understand that you werenot at fault in this accident, but for me personally.... I don't liketo get insurance invovled unless it is something I can't afford to fix/ replace myself. I just try to avoid any potential complications as much as possible.

I know that alot of people would disagree with me, but this is from my own personal experience. On one of my previous cars (modded Accord), I was hit by another driver who ran a light. Although the police report showed that I was not at fault and I had numerous witnesses who saw the accident, my insurance company not only raised my insurance, but they advised that if they were to keep me insured, I would have to accept being a "high risk" insuree. i had no prior tickets or convictions. I received this notification a day after the adjuster from the insurance company inspected my car.

Take the above for whatever it's worth.

Sorry again Ben for what you're going through.... but as mentioned in a previous post, it could have been alot worse. Your health and well- being is alot more important.

[aris]

I would be more WORRIED about my car been LOWERED...

[JashiK]

I'm glad that you're ok and sorry that you got caught in this shitty situation, but some "advice" since u said RBC Insurance, if you car is lowered be VERY cautious. Pretty strict about mods done to a car.
And to what aristeidis said, if they find out about your lowered car they'll deny your claim and coverage for non-disclosure.

[tweak_s]

That really sucks ben. Glad you're okay. Ify ou go the insurance route, I'd try to return to stock if you can..

[BoostieMonster]

That sucks man.....even though you have a witness I can't see a hit and run (while driving) being deemed "not your fault" by the insurance company seeing as though you could have swerved into a barrier on the road or even your buddy hitting you while racing then claiming it was someone else and they drove off.....not 100% on that, but just playing devils advocate...

These kind of situations makes me content on my decision not to lower my ride...

Hope it works out for you!

[thefish]

Yeah... I'd get un-lowered before contacting the insurance company...

[Soyabean]

Well that just blows.

Your insurance probably won't go up. This will help you figure out what your insurance company will do:
http://torontomazda3.ca/forum/showthread.php?t=19337
http://www.theepochtimes.com/news/6-7-12/43881.html

According to this picture http://www.e-laws.gov.on.ca/html/regs/english/images/elaws_regs_900668_e-9.gif and the quote (3) If the location on the road of automobiles “A” and “B” when the incident (a “sideswipe”) occurs cannot be determined, the driver of each automobile is 50 per cent at fault for the incident.


Does this mean im 50% at fault?

Also, will my borla exhaust and mazdaspeed intake be an issue as well?

[JashiK]

Hey Soya...
Technically yes 50% at fault, but since it was a hit and run you shouldn't be at fault. I'm not sure in this case as it was reported at a collision centre instead of a cop making a report on the scene.

Depends... if it's played by the books, then yes intake, exhaust and lowering etc... for any modifications they have the right to deny coverage if it was not disclosed.

[Soyabean]

Hey Soya...
Technically yes 50% at fault, but since it was a hit and run you shouldn't be at fault. I'm not sure in this case as it was reported at a collision centre instead of a cop making a report on the scene.

Depends... if it's played by the books, then yes intake, exhaust and lowering etc... for any modifications they have the right to deny coverage if it was not disclosed.

Well im most likely going to take it to Acura 2000 and the body shop manager could most likely help me out cuz my gf used to be his assistant. I got it appraised and they estimate $3,100 to repair. I dont think it should cost that much. here are pics:
http://i276.photobucket.com/albums/kk9/soyabean17/SSPX0205.jpg

http://i276.photobucket.com/albums/kk9/soyabean17/SSPX0206.jpg

http://i276.photobucket.com/albums/kk9/soyabean17/SSPX0207.jpg

http://i276.photobucket.com/albums/kk9/soyabean17/SSPX0208.jpg

http://i276.photobucket.com/albums/kk9/soyabean17/SSPX0209.jpg

[philipfreire]

Hey Soya...
Technically yes 50% at fault, but since it was a hit and run you shouldn't be at fault. I'm not sure in this case as it was reported at a collision centre instead of a cop making a report on the scene.

Depends... if it's played by the books, then yes intake, exhaust and lowering etc... for any modifications they have the right to deny coverage if it was not disclosed.


Wouldn't it only be 50% at fault if the other driver DID NOT run away and was their to argue and dispute his case?

Now that the other person ran away - not only did they commit a crime, but they cant even defend themselves. Leaving only one victim with a witness and police report. My insurance company would never ever pin that on me. I doubt RBC would on you, and if they did you might want to consider taking your business elsewhere.

[JashiK]

Hey Phillie, yeah like I said I don't think he would be deemed at fault since it was a hit and run, but I'm not 100% sure. I've been out of RBC Insurance (auto) for some time now and can't remember. The only thing is they say if damage is over $XXX amount you should call the police for a report at the scene.
I think Soya does care whether if he would be considered at fault or not as it might affect his premiums, but I think the bigger concern is if he would even be covered or not because of his mods.

Sorry Soya I'm at work right now and I can't see the pics. $3XXX+ wow.

[philipfreire]

Yeah JashiK, his mods have me worried. I think if he had a stock 3 it would be just fine.

[philipfreire]

I think 3000 is pretty right on for a proper job. You will need the back bumper repainted, the back fender and maybe some work - not sure if i see some dents on the lower fender near the door or if thats just scratches.

You will also need a new door. its probably cheaper for them to get one out of a wreckers yard then waste time fixing that and then making sure its aligned properly to the driver door and fender.

Im sorry to hear - i wish i was around the area cuz if i see that happen to anyone i would chase them and get their plate number and then go back and give it to the person in the car.

[KenYork]

I'm hoping the witness was not in your car, caus they don't count.

[philipfreire]

I'm hoping the witness was not in your car, caus they don't count.

nor family member :P

[MajesticBlueNTO]

According to this picture

http://www.e-laws.gov.on.ca/html/regs/english/images/elaws_regs_900668_e-9.gif

and the quote (3) If the location on the road of automobiles “A” and “B” when the incident (a “sideswipe”) occurs cannot be determined, the driver of each automobile is 50 per cent at fault for the incident.


Does this mean im 50% at fault?

Also, will my borla exhaust and mazdaspeed intake be an issue as well?

that pic you linked was for the following scenario:

(2) If neither automobile “A” nor automobile “B” changes lanes, and both automobiles are on or over the centre line when the incident (a “sideswipe”) occurs, the driver of each automobile is 50 per cent at fault for the incident.

If you were in your lane properly minding your own business, then this applies:

(4) If the incident occurs when automobile “B” is changing lanes, the driver of automobile “A” is not at fault and the driver of automobile “B” is 100 per cent at fault for the incident.

http://www.e-laws.gov.on.ca/html/regs/english/images/elaws_regs_900668_e-11.gif

depending on the insurance company, if you take the car to one of their "approved" body shops, they will take the word of the body shop as to what needs fixing ...i.e. they won't send an adjuster to assess the car since they trust what the shop manager assessed.

[thefish]

^^^makes more sense

[kLuMzi]

Ben sorry to hear!

hope everything works out for you, glad you're ok

[omalak]

I'm sorry to hear about your car Ben...

Hope you can work things out whichever route you take.. there are always the positives to look at... Atleast you are alright, it could ahve been much worse.


Hope you get this resolved

nobody likes hit and runners.. karma is a bitch it'll come back to him dont worry

[Soyabean]

Thanks a lot for all your comments and help. I've decided to go thru insurance with my mods on the car. My gf's manager of the body shop will help cover up the stuff for me and he said he knows most of the appraisers who come in and they are cool with him. Well i hope everything works out.

PS. the insurance deemed me not at fault as it was a hit and run and i also reported it to the police so im happy that part is over. Now i just have to pray that the appraiser who is coming in on monday knows the manager well enough to cut me some slack.

I will keep you guys updated

Once again thanks to everyone for all the help and concern on both my car and myself.

[Noisy Crow]

Now i just have to pray that the appraiser who is coming in on monday knows the manager well enough to cut me some slack

Unless you have rims specifically insured You probably will have to take the hit for the damaged one. So.... if you have winter snows, I would put them on before the apraiser looks at the car. From an apperance perspective, unless you have a severe drop, they probably won't even notice the lowering springs. The other mods are aren't on the damaged area of the car....

[JashiK]

Soyabean good luck. I hope everything works in your favor. I had a feeling it wouldn't be your fault because it was a Hit and Run. I don't think you even have to pay your deductable. I believe it is covered under DCPD since you were not at fault.

[Soyabean]

Soyabean good luck. I hope everything works in your favor. I had a feeling it wouldn't be your fault because it was a Hit and Run. I don't think you even have to pay your deductable. I believe it is covered under DCPD since you were not at fault.

What is DCPD?

[JashiK]

DCPD - Direct Compensation Property Damage

[froggy]

my insurance policy I only have to declare mods that cost over $1000 dollars, that includes stereo, nav, wheels, etc.

[JashiK]

Declaring mods and what type of mods you have are different.
Performance enhancing mods are usually viewed negatively with various insurance companies. Some insurance companies tolerate more than others. RBC Insurance tends to be a bit more strict with underwriting policies when it comes to performance enhancing mods.

[Soyabean]

Declaring mods and what type of mods you have are different.
Performance enhancing mods are usually viewed negatively with various insurance companies. Some insurance companies tolerate more than others. RBC Insurance tends to be a bit more strict with underwriting policies when it comes to performance enhancing mods.

I wish they knew how much performance i really get from these mods... lol
Now im nervous and hope its the 2 younger appraisers whom are cool with him. I just hope for the best now

[Soyabean]

DCPD - Direct Compensation Property Damage

I went to this site: http://www.fsco.gov.on.ca/English/insurance/auto/claimsprocess.asp

It claims that "Under a DC-PD claim, you can, to the extent you're not at fault, recover for damage to the vehicle, the cost of a temporary rental vehicle (Transportation Replacement coverage), and for damaged personal contents carried in the vehicle, less the deductible you arranged with your insurance company."


So i would still have the pay the deductible. The thing is, i cant find the other driver so the insurance company wouldn't have another company to claim their costs from right? So most likely i would have to pay the deductible

[ng3]

I had an accident back in Jan (100% Not at fault) and the body shop I took it too asked me for the deductible at the end of the repairs...

I asked how come I have to pay it since I'm not at fault, they told me since that's how my insurance policy works.
I've heard from other people that the insurance laws changed not too long ago and even if there are 2 insurance companies involved in an accident each company takes care of their client, so the At Fault's insurance company pays only for their client and my insurance company pays from my repair.

Depending on the shop, there is "room to wiggle" on insurance claims. In my case I told the shop guy I don't have to 500 deductible to give him and my credit cards are full...
His reply: "Ok buddy, I'll work something out, don't worry about it"

[-RJ3-]

Im waiting for Soya to give us the update... After seeing a buddy car in the shop and getting insurance to check it out, I had an idea... Lets see if it worked for his situation...

If it works, im sure he will disclose the information LOL

[rick10]

The insurance should cover it no problem . Your premiuns shouldnt go up because it wasnt your fault. However like someone else said , you may have to pay the deductible , which in most cases is 1500. Also your car will be label as being in an accident ( it will show in carfax)

I had a similar hit . Actually mine was worst than that because i had to change the rear light and the dent was 4 times worst (on the side door). My bodyshop charge me a total of a 1000 ( including changin the rear light). If they want to make you pay for the deductible if may be better for you to try a bodyshop first , it may be cheaper , you wont take the risk of your premiuns going up and your car will not be label as being in an accident ... just my 2 cents..

Either way , i hope they get the MF who ran away... ( although i really doubt he had insurance in the first place)

[JashiK]

Hey Soya,

Since other people are calling you Ben maybe I should too lol.
No matter whos fault it is your own insurance company covers your own vehicle.
Usually when it's your own fault the deductable is charged. Like I said earlier it's
been awhile since I sold auto insurance for RBC, but let me ask a few co-workers that do to make sure :)
Well if it is being claimed under DCPD there is no deductable.

Taken from the FSCO site...

You can expect to pay your full deductible unless the accident was not your fault or was only partially your fault.
Take the following example:
You are involved in an accident. Your vehicle's actual cash value is determined to be $12,000. To repair your vehicle would cost $7,000. Since the necessary repairs cost less than the actual cash value of your vehicle, your insurance company decides to repair your vehicle rather than declare it a total loss.
If you are 100 per cent at fault for the accident, the cost of repairing your vehicle will not be covered under your Direct Compensation - Property Damage coverage. But if you purchased the optional Collision or Upset coverage with a $500 deductible, your insurance company will pay $6,500 towards repairing your vehicle ($7,000 less your $500 (deductible). You will be responsible for paying your $500 Collision or Upset deductible.
On the other hand, if the other driver can be identified, is insured, and is found to be totally at fault for the accident, your insurance company will cover the total cost of repairing your vehicle ($7,000) under your Direct Compensation - Property Damage coverage, so long as your Direct Compensation - Property Damage deductible is zero dollars.
Speak to your claims adjuster about your specific situation.

The only thing I'm not 100% sure about is it states you have to be able to identify the driver etc... but since it was a hit and run you're automatically deemed not at fault.
But on Monday when I get to work I'll try to dig up some more info for you.

[vlad5434]

wow if i cought him id beat the ashit out of him

[thefish]

wow if i cought him id beat the ashit out of him

lol... always wanting to beat up people. You're the official mazda3 bodyguard :P

[Hives]

Sorry to hear bout that bud. I hope all works out well for u.

[Soyabean]

Hey Soya,

Since other people are calling you Ben maybe I should too lol.
No matter whos fault it is your own insurance company covers your own vehicle.
Usually when it's your own fault the deductable is charged. Like I said earlier it's
been awhile since I sold auto insurance for RBC, but let me ask a few co-workers that do to make sure :)
Well if it is being claimed under DCPD there is no deductable.

Taken from the FSCO site...

You can expect to pay your full deductible unless the accident was not your fault or was only partially your fault.
Take the following example:
You are involved in an accident. Your vehicle's actual cash value is determined to be $12,000. To repair your vehicle would cost $7,000. Since the necessary repairs cost less than the actual cash value of your vehicle, your insurance company decides to repair your vehicle rather than declare it a total loss.
If you are 100 per cent at fault for the accident, the cost of repairing your vehicle will not be covered under your Direct Compensation - Property Damage coverage. But if you purchased the optional Collision or Upset coverage with a $500 deductible, your insurance company will pay $6,500 towards repairing your vehicle ($7,000 less your $500 (deductible). You will be responsible for paying your $500 Collision or Upset deductible.
On the other hand, if the other driver can be identified, is insured, and is found to be totally at fault for the accident, your insurance company will cover the total cost of repairing your vehicle ($7,000) under your Direct Compensation - Property Damage coverage, so long as your Direct Compensation - Property Damage deductible is zero dollars.
Speak to your claims adjuster about your specific situation.

The only thing I'm not 100% sure about is it states you have to be able to identify the driver etc... but since it was a hit and run you're automatically deemed not at fault.
But on Monday when I get to work I'll try to dig up some more info for you.


First off yea, call me Ben. Makes me feel more connected with the forum if people know me by my name rather than my username lol. And yea, they deems me not at fault. But i still have the pay the deductible. I was thinking logically, that only if they catch the other person, RBC could add in the deductible with the damages and claim it from the other person's insurance. But since they didnt, RBC will be paying from their own pocket. So im guess to mitigate their costs, they need to pay for the deductible

[Soyabean]

I had an accident back in Jan (100% Not at fault) and the body shop I took it too asked me for the deductible at the end of the repairs...

I asked how come I have to pay it since I'm not at fault, they told me since that's how my insurance policy works.
I've heard from other people that the insurance laws changed not too long ago and even if there are 2 insurance companies involved in an accident each company takes care of their client, so the At Fault's insurance company pays only for their client and my insurance company pays from my repair.

Depending on the shop, there is "room to wiggle" on insurance claims. In my case I told the shop guy I don't have to 500 deductible to give him and my credit cards are full...
His reply: "Ok buddy, I'll work something out, don't worry about it"


It was nice meeting you today and thanks for the advice. Ill take it into consideration what you said and I'll see what they can do for me

[Soyabean]

The insurance should cover it no problem . Your premiuns shouldnt go up because it wasnt your fault. However like someone else said , you may have to pay the deductible , which in most cases is 1500. Also your car will be label as being in an accident ( it will show in carfax)

I had a similar hit . Actually mine was worst than that because i had to change the rear light and the dent was 4 times worst (on the side door). My bodyshop charge me a total of a 1000 ( including changin the rear light). If they want to make you pay for the deductible if may be better for you to try a bodyshop first , it may be cheaper , you wont take the risk of your premiuns going up and your car will not be label as being in an accident ... just my 2 cents..

Either way , i hope they get the MF who ran away... ( although i really doubt he had insurance in the first place)

Insurance already deemed me not at fault so im not woried. As for the accident showing on my car, Im not too worried because this is the first car that i bought and i will most likely drive it til it dies. Hopefully another 10 years

[JashiK]

Hey Ben,

If the claims advisor told you that you have to pay the deduct. I'm sure they're correct. I asked a few co-workers and they advised under DCPD you would not be paying the deduct. if the other driver can be identified, but since it was a hit and run you would need to pay it.

All in all... I hope everything goes smoothly for you.

[Soyabean]

Hey Ben,

If the claims advisor told you that you have to pay the deduct. I'm sure they're correct. I asked a few co-workers and they advised under DCPD you would not be paying the deduct. if the other driver can be identified, but since it was a hit and run you would need to pay it.

All in all... I hope everything goes smoothly for you.

Thanks a lot. I got a rental civic today and the appraiser will come in to look at it. Hopefully things go smoothly and I'll be driving my car again in no time :)

[Soyabean]

Update: The appraisal went well. They only covering $2000 instead of the etimated 3100. Instead of getting a new shell for the door they are only giving me a new skin. Everything else will be done to fix it. They are sending my rim out to be repaired so everything i am extremely happy. Cheers

[kLuMzi]

did you raise back to stock height?

[Thrizzl3]

great news ben..hopefully you don't meet any knuckleheads like that again.

[JashiK]

That is awesome news Ben. :)
I know of several cases where coverage was actually denied because of mods, but I'm glad everything went well with the adjuster.

[Soyabean]

did you raise back to stock height?

Nope, it was left on prokits.
I was actually scared but everything is settled now


great news ben..hopefully you don't meet any knuckleheads like that again.

I hope i dont either. Im paranoid of people leaning slightly close to me now lol. I hope i dont stay like this for long



That is awesome news Ben. :)
I know of several cases where coverage was actually denied because of mods, but I'm glad everything went well with the adjuster.

They didnt say anything and im surprised they were willing to refinish my rims for me. I was pretty scared too that the appraiser would say something but he didnt. Afterwards, the bodyshop confirmed what they were fixing and then the adjuster called me to confirm that they have given the money and explained what i needed to do about rental and deductibles and stuff.

So in the end, I'll be down the deductible but im just happy my car is going to be fixed and the fact that they overlooked my mods. They also told me i am at 0% at fault so premiums wont go up :bana2:bana2:bana2

And thanks everyone for all your comments and suggestion as they have helped me greatly throughout this process

[DumpInfo]

Ben,

I'm so happy they overlooked your mods! btw what insurance company are you with just curious? Happy things worked out well for you!

[JashiK]

Ben,

I'm so happy they overlooked your mods! btw what insurance company are you with just curious? Happy things worked out well for you!

He's with RBC Insurance.

[Bean]

Ben

Thankfully, you are OK.

[mazdabetty]

Wow crazy, glad everything turned out... now time to look into Bel Air Direct's $0 deductable plan!! :chuckle

[Bean]

Stick with RBC ;)

[mazdabetty]

hahaha but I just left RBC for Bel Air.... it's sooooooo much cheaper!!! And $0???

Ok sorry I'm done threadjacking..... lol :gone

[Bean]

Good :)


:(
I am not eligible for that, thanks to Hubby

[aris]

Wow crazy, glad everything turned out... now time to look into Bel Air Direct's $0 deductable plan!! :chuckle

+1 when mine comes up for renewel i will be going with belair $0 deductable:bana2

[Soyabean]

$0 deductible? Im under my parents anyways but am curious to know. In general, lower premiums = higher deductibles. But $0 deductible + low premiums is something new to me. Any strings attached?

[mazdabetty]

Pretty sure there are no strings attached, I did a ton of research before I made the switch. I asked them to quote me for the same coverage I had with RBC (full coverage, $500 deductible) and it was already significantly cheaper. Then I got them to quote me at $0 and it was only another $7 more/month.

I could be wrong but I heard somewhere that Bel Air offers their insurance at much lower rates in Ottawa, but in Toronto they average about the same as other insurance companies... but I think a couple of people on this board have made the switch recently as well and are saving quite a bit.

You can call them and grill them haha.. I read them the list of stuff that was covered through RBC and they checked off every single one of them as included. As well, they offered this forgiveness program, I think my first accident is forgiven and the premiums won't go up.

[JashiK]

Ben which area do you live in?
RBC Insurance is hella expensive for people in Toronto like me. Smaller suburbs are much cheaper.
Yeah unfortunately RBC doesn't have the $0 deductable option, but they have reducing deductables. For every year you're claims free it reduces by $25 or $50 or something.

[Soyabean]

Ben which area do you live in?
RBC Insurance is hella expensive for people in Toronto like me. Smaller suburbs are much cheaper.
Yeah unfortunately RBC doesn't have the $0 deductable option, but they have reducing deductables. For every year you're claims free it reduces by $25 or $50 or something.

Hmmm, I live in Brampton. As for the premiums reducing every year by an amount, this claim might make it stay right? So it wont go down next year but shouldnt go up either

I'll give bel air a call to see but overall im happy with rbc so i doubt i'd switch

[aris]

$0 deductible? Im under my parents anyways but am curious to know. In general, lower premiums = higher deductibles. But $0 deductible + low premiums is something new to me. Any strings attached?

Here is an example belair ins gave me a quote for my car

$1000 deductable- $98 month
$500 deductable- $108 month
$0 deductable- $120 month

Their is not very much different in price.

With the company i am with i pay $130 month with $500 deductable

[kLuMzi]

Nope, it was left on prokits.
I was actually scared but everything is settled now

cool! i think im gonna drop mine now! :chuckle LOL

nice to know your car will be in top shape again! :hawt