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!
From this year, in Ontario you are only obligated to report to police any automotive accident resulting in $5000 in damages to vehicles (used to be $2k), or involving any injuries or any damage to public property.
So if it's like $500 or less to fix, then I'd say you might be better off taking the L. Any more then I'd suggest you consider making the report, since you're clearly not at fault, but your claim will still be paid out from your insurance in Ontario's no-fault system. Generally your rates won't go up from just one, maybe two incidents that were entirely not your fault, but it's the case of deductibles, paperwork and stuff, that will make small amounts not worth your time making the claim.