No. And sometimes the at fault persons premiums dont either
For situations where fault can be attributed to another party they have a slider like 0% 25%, 50%,75% 100% etc. This determines whose coverage is being used (even though the money comes from the pool).
As you have accidents/traffic claim related issues your years of driving bracket it slid toward a lower discount. So with 10+ years driving you are in the biggest discount, if you had various issues it may be enough to drop you to the lower brackets and discount is reduced till you gain additional years to move you up the scale again…like +1 modifiers in DnD lol.
For example. My wife was heading straight at a 2 way stop with a through road, driver opposite was turning left. By law she had right of way and started to cross the through road, but opposite driver was eager to pull out to beat through traffic. The driver hit the front side of my wife’s car.
We filed online, so did other party.
There were no traffic cams or dash cams. The insurers claim adjuster reviewed and actually pushed fault onto my wife citing a law that if a left turner is already into the intersection then the right turner has to yield till its clear. We thought it was bullshit review based on situation and could take it to the tribunal. But our cars got fixed “for free” and we had a rental car given to us. And based on driving history our rates stayed the same. So fighting it wasn’t worth the effort.
Then since we had COVID pandemic the rates dropped and we got rebate cheques because they weren’t paying out as many accidents as they anticipated.
That sounds like a good system. Here in quebec, it’s no fault insurance. It doesn’t matter who causes the accident. If you make a claim to fix your car because the other person: ran a stop or lost a tire and it hits your car or whatever other incident occurs, as per my first hand exprience with multiple insurers and even automotive or commercial, your premiums go up until it falls off your record after, I think, seven years.
Yeah, I think its one of the better systems, it is run as a crown corporation nonprofit. Years back people with exotic cars were getting enormously Hugh damage repaired for normal premiums, but they changed that more recently so if your car is more than $150k purchase price you have to pay additional premium to cover higher damages cost.
That’s very reasonable, if you can afford that kind of car, you can afford addiontal coverage. For the people who cry about it, I find a good piece of advice when getting an expensive car is that if you can’t afford two of them, you can’t afford one.
The two inside bubbles are way too big for that, to be honest.
Too true
This is why I like our Socialized Car Insurance in BC, Canada.
Everyone has same insurer.
The prices are set and you have a discount based on years of driving.
You get in an accident, you send details in online, as does the other party.
You both get your car fixed.
If its not a massive accident with severe industries, you don’t even call the police…they don’t come even if you did, because there is no need.
Do your premiums increase if it’s not your fault?
No. And sometimes the at fault persons premiums dont either
For situations where fault can be attributed to another party they have a slider like 0% 25%, 50%,75% 100% etc. This determines whose coverage is being used (even though the money comes from the pool).
As you have accidents/traffic claim related issues your years of driving bracket it slid toward a lower discount. So with 10+ years driving you are in the biggest discount, if you had various issues it may be enough to drop you to the lower brackets and discount is reduced till you gain additional years to move you up the scale again…like +1 modifiers in DnD lol.
For example. My wife was heading straight at a 2 way stop with a through road, driver opposite was turning left. By law she had right of way and started to cross the through road, but opposite driver was eager to pull out to beat through traffic. The driver hit the front side of my wife’s car. We filed online, so did other party. There were no traffic cams or dash cams. The insurers claim adjuster reviewed and actually pushed fault onto my wife citing a law that if a left turner is already into the intersection then the right turner has to yield till its clear. We thought it was bullshit review based on situation and could take it to the tribunal. But our cars got fixed “for free” and we had a rental car given to us. And based on driving history our rates stayed the same. So fighting it wasn’t worth the effort.
Then since we had COVID pandemic the rates dropped and we got rebate cheques because they weren’t paying out as many accidents as they anticipated.
That sounds like a good system. Here in quebec, it’s no fault insurance. It doesn’t matter who causes the accident. If you make a claim to fix your car because the other person: ran a stop or lost a tire and it hits your car or whatever other incident occurs, as per my first hand exprience with multiple insurers and even automotive or commercial, your premiums go up until it falls off your record after, I think, seven years.
Yeah, I think its one of the better systems, it is run as a crown corporation nonprofit. Years back people with exotic cars were getting enormously Hugh damage repaired for normal premiums, but they changed that more recently so if your car is more than $150k purchase price you have to pay additional premium to cover higher damages cost.
That’s very reasonable, if you can afford that kind of car, you can afford addiontal coverage. For the people who cry about it, I find a good piece of advice when getting an expensive car is that if you can’t afford two of them, you can’t afford one.
That’s a good way to think about it