Got rear-ended this morning. What would be the best course of action?

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Old 11-23-2007, 07:21 AM
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SMO
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Default If you want a quick and cheap repair, I had a portion of my bumper repainted for $125...

Guy came to my house and did it in my driveway. Probably won't happen now in this weather, but he's very reasonable. I posted his info a while ago, let me know if you want it again.
Old 11-23-2007, 07:32 AM
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Default But if I report it to the police, does that necessarily mean it gets reported to my insurance?

I just don't want to get screwed for some technical bs.
Old 11-23-2007, 07:34 AM
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Default Here's what "no-fault" actually means in Ontario.

First of all, fault <B>IS</B> assigned.

The "no fault" part just means that whether you are at fault or not, you deal with your own insurance company instead of the insurance company of the person at fault.<ul><li><a href="http://www.kanetix.ca/what-is-no-fault-auto-insurance">More details on what no-fault insurance is.</a></li></ul>
Old 11-23-2007, 07:42 AM
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Collision Center. Police dont' want to know about it with low value damage.
Old 11-23-2007, 07:46 AM
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Yes that's fine. But is Collision Center / police independent of my insurance?
Old 11-23-2007, 07:49 AM
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No, I don't think so. Once you report it, your insurance company will find.. will be there for 7 yrs
Old 11-23-2007, 07:49 AM
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Default I was rearended last summer....father paid for his daughters mistake...

My bumper had two big divots from the screws of her license plate and some scratches. I ended up going to an AUDI shop in brampton and it cost the guy near $800. There was no way I was going to go for a cheapie file and partial respray job when I wasn't the one at fault. He paid no problem. I made sure I took her license plate and insurance right after the collision.
Old 11-23-2007, 07:50 AM
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why go cheap when he is not the one at fault???
Old 11-23-2007, 08:39 AM
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True, but why pay $700 for a $125 repair?
Old 11-23-2007, 08:47 AM
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Default technically, you're supposed to report it

your insurance will not go up as it is 100% his fault. If you report it, his will likely go up which defeats the purpose of him paying for it out of pocket. I think you're supposed to report it within 24 or 48 hours (can't recall which one).


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