Hey everyone,
I've got a question about how to deal with an automotive incident in London, Ontario. Any advice would be much appreciated!
I parked my vehicle outside of a shop, and while I was inside, someone backed into my vehicle & drove off. I was able to capture the hit and run on dash cam, including the other drivers license plate. It's very clear who it was. Luckily, the damage basically boils down to a few dents and scratches.
Im obviously planning on fixing the damage; however, from those that I've spoken to, it's not worth trying to get any compensation from the one who hit me. I'd have to file a police report to get their information, to get the police report I'd need to give them my insurance information, and then my insurance finds out and will raise my rates.
Is there anything worth doing, or am I SOL on this one?
Again, any advice would be much appreciated!
I'm from a little further south, so your experience may be wildly different, but basically what you want to do is file a police report so that you can file a claim on the perpetrator's insurance. I've had 3 cars totaled (1 deer on a county highway and 2 hail damage) plus one case of being backed into all in the last 5 years (I know, terrible luck!), My insurance rates have not gone up once in that time frame.
If you file with your insurance you will have to pay your deductible which may be more than the cost of the repairs, but filing on the perpetrator's insurance with the video should be open and shut they pay their deductible and their insurance pays you for the damage (or it'll be enough to scare them into paying you directly) so no money out of your pocket
That's what should happen. Whatever actually happens is impossible to know, but this is the basic roadmap to becoming whole again following the incident