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Thread: Backing out. In parking lot. Rules?

  1. #1
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    Backing out. In parking lot. Rules?

    Ok so today I was backing out of a spot. I stopped to go forward and at that instant a girl backed into me.

    She doesn't want to go trough insurance and the damage doesn't appear to be that bad. Both vehicles are completely drivable.

    What do I do? We exchange info with a understanding we were going to take care of our own vehicles. Even though she backed into me it was private property and apparently were both at fault because we were backing up.

    I wanted to go through insurance but the local collision centre said it wouldn't be worth the insurance claim and that the police wouldn't care because te level of damage and private property. It was a parking lot in a strip plaza


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  2. #2
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    Here are the fault determination rules all insurance companies use in Ontario.

    http://www.ibc.ca/en/Car_Insurance/d...tion-Rules.pdf

    Im not a claims expert, so I cant comment on how you would assesed fault. There is a section on parking lots in there.
    I can tell you how it would effect your rates.
    If you were found " at fault " you driving record would be reset to "0" and your rates would increase. As each year passes, you gain back driving experience when you dont have any " at fault " claims.

    Some companies allow you to discuss the determination of fault with a claims specialist without it being recorded as a claim. I can not comment on what your insurance company may do.

    Depending on your deductible it likely is better to take care of the damages yourself,however, you do pay insurance for protection of financial loss so you may fee its a good time to use it.
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  3. #3
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    Backing out. In parking lot. Rules?

    Hey. Awesome. Thanks for the reply.

    This is what bugs me. I check my Mirrors. Blind spots and back out responsibly. This young woman with a back window jammed with crap backs into me as I'm already 3/4 of the way don't my exit. I was stopped and just about to pull forward when she peeled out of her spot and hits me.

    But somehow that's my fault. Or both faults.

    And you're right on two things. 1) I should pay my own damage. 2) Ido have insurance for a reason but at the end of the day after paying $200 a month and getting into a accident that wasn't even my fault I get do dinged for it and pay even MORE than I already do for something that wasn't even my fault.

    It's not fair that I have to pay for this on many levels. I pay my monthly term. An I will pay a premium for making a $1000 claim on my insurance. So with jacked up premiums for the next few years for a repair that cost $1000. So at the end o the day I pay monthly and deterred from using my insurance which I pay for because they will stick it to me and make me pay triple what the repair cost.

    So essentially insurance has a legislated license to rob people and we drive around with dinged up cars because we're too scared to get raped by the insurance man.

    This insurance thing in Ontario needs to be reviewd and GOOD drivers need to stop paying for the mistakes of other idiot drivers out there that prob shouldn't be driving in the first place.

  4. #4
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    The unfortunate part is, if your car was parked and she backed into you and you weren't in the vehicle - you would likely be 100% covered and not have to pay your deductible.
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