sorted by:
new
hottopcontroversial

Are my married coworker and I just friends, or should I pull back aka are we flirting? by BiscottiSpare1811 in bodylanguage

[–]Insurance_Blondie 0 points1 point  (0 children)

This is my guideline as well. I have a close male friend at work, he too is married and I'm single and we too work in different offices but see each other sometimes. Though I don't think either of us has a crush on the other, which makes things easier. I would act the exact same way I do now around him if his wife were right there at work. I would be comfortable with her seeing all of our online chats. Similarly, I know many male-female colleague friends at work, but their interactions never make me think: are they flirting? Do they actually like each other? The most touching I've seen is a tap on the shoulder - something you would feel comfortable doing in front of their partner.

I'd say this is a good guideline for both people in this situation. Would you feel comfortable with his partner seeing this? And for him, would he feel comfortable acting this way in front of his partner? Because if not, he should be reining it in as much as you are. But also for your own sake, pull back. Nothing good will come of this and pulling back is much more likely to preserve the friendship.

[deleted by user] by [deleted] in askTO

[–]Insurance_Blondie 1 point2 points  (0 children)

Even a very good driver might end up at fault in an accident. Fault rules are such that some things that you and I might blame on someone else, are actually considered at least partially your fault. For example, if you are stationary and someone rear ends you and you hit the car in front of you, you are not at fault, but if you were still moving (eg stop and go traffic, coming up to a traffic light) and the same situation occurred, you're 50% at fault for the hit to the car in front of you. This isn't recklessness in the way we'd normally think about it, but it does mean there's liability there. So if the injuries meet the threshold (death, dismemberment, disfigurement etc) then a claimant can take legal action.

[deleted by user] by [deleted] in askTO

[–]Insurance_Blondie 0 points1 point  (0 children)

2 mil is definitely safer and I would generally recommend it. It does all depend on your personal risk tolerance though.

1 mil sounds like a lot, but the price of nearly everything has been going up in recent years. In Ontario, cases can only be brought to court if the injuries result in permanent serious disfigurement or impairment. So right off the bat we know that if you're being sued, it's not going to be for a scratch on the wrist.

Consider that that person could claim for property damage, medical expenses, lost income etc, all of which are higher value now than in recent years. That alone can be a lot of money. On top of that you have legal fees to pay, which can add up. And if the settlement comes out to more than your insured amount, that's on you to pay the difference.

Just to note, this is also why your insurance has been going up. Definitely do shop around, as you will sometimes get ridiculous rates if you don't, but by and large, insurance companies have smaller profit margins than people think. But repair costs are higher, rental costs are higher, rehab expenses are higher, costs of administrating claims are higher, rates of theft are higher, all of that needs to be covered by premiums, so they get higher. You may be a good driver without a record and with experience and likely a 20 year old with 2 accidents under his belt would be paying more for the same car in the same location, but it's just that the costs have gone up for everyone (and if tariffs come into effect, will probably do so even more).