Minor collision with my Yaris

[edmscan]

I have collision coverage on my Yaris. So .. I am covered.

The "other driver", didn't want to go thru insurance (as he is paying 160$/month for a older Toyota Minivan) , so we shall see how this works out in the end.

I am going to get 3-4 estimates in the next few days and I will then contact the other driver and see how we are going to deal with it.

The accident wasn't reported to police as there wasn't enough damage for them to be involved. If I am forced to go thru insurance then maybe I will be forced to get a police report.

[nookandcrannycar]

Originally Posted by edmscan

I have collision coverage on my Yaris. So .. I am covered.

The "other driver", didn't want to go thru insurance (as he is paying 160$/month for a older Toyota Minivan) , so we shall see how this works out in the end.

I am going to get 3-4 estimates in the next few days and I will then contact the other driver and see how we are going to deal with it.

The accident wasn't reported to police as there wasn't enough damage for them to be involved. If I am forced to go thru insurance then maybe I will be forced to get a police report.

Sorry to hear about your accident, glad you are okay. I don't know how it works in Alberta, but in the U.S. (at least in California, with insurance companies I've had) if you get in an accident and it is the other person's fault (and the other person has insurance) you want to have the other person's insurance pay for it. Your insurance company will only increase your rate re an accident if they have to pay out (assuming you weren't cited for anything by law enforcement). If both of you were living in California and the other driver had no damage, and your damage was under $500, his desire to not have anything reported would be legal. Now that I think about it, I think some of the states in the Eastern U.S. have no fault car insurance. Even with Alberta being set up at least somewhat differently (from California) re insurance, if the other person is at fault I would want their insurance company paying if at all possible. I have compassion for other people's financial plights (to an extent), but that compassion wouldn't extend to car insurance premiums.

[edmscan]

Originally Posted by nookandcrannycar

I have compassion for other people's financial plights (to an extent), but that compassion wouldn't extend to car insurance premiums.

Yes .. for me I am thankful that first there were no injuries, and secondly that there was only minor damage to my car.

So .. I spoke to a friend of mine and found out a good place to get my car fixed. So I am going there tomorrow. I will just get an estimate and then contact the other driver and tell him the cost. I will then attempt to collect the money from him.

If that fails, then I will contact my insurance company.
I will to some extent allow him to pay for the repairs to my car, and if that fails then I will go the normal route and go thru insurance.

[nookandcrannycar]

Originally Posted by edmscan

Yes .. for me I am thankful that first there were no injuries, and secondly that there was only minor damage to my car.

So .. I spoke to a friend of mine and found out a good place to get my car fixed. So I am going there tomorrow. I will just get an estimate and then contact the other driver and tell him the cost. I will then attempt to collect the money from him.

If that fails, then I will contact my insurance company.
I will to some extent allow him to pay for the repairs to my car, and if that fails then I will go the normal route and go thru insurance.

Good to know you have that kind of flexibility as your situation migrates into the future. From my experience in California, there isn't that level of flexibility.