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QUESTION: My vehicle was hit while parked. What next? (sh.itjust.works)

submitted 4 days ago by CocaineShrimp@sh.itjust.works to c/londonontario@lemmy.ca

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cross-posted from: https://sh.itjust.works/post/47073892

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!

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[–] Denjin@feddit.uk 4 points 4 days ago

I'm not in Canada so YMMV but you are usually required to inform your insurer of and accident whether you're at fault or now though often it's better to keep quiet and pay for any repairs out of pocket.

If you have evidence of the other party you should be able to claim against their insurance and perhaps punish an irresponsible driver at the same time.

It boils down to how much it would cost to repair the damage and how much you want the other person to be brought to account.

[–] Rentlar@lemmy.ca 3 points 4 days ago* (last edited 4 days ago)

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.

[–] Trainguyrom@reddthat.com 3 points 4 days ago

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