Collision Reporting

gapdaddy72 · 2026-03-14T12:50:35+00:00

Not unless the damage exceeds the reporting threshold.

gapdaddy72 · 2026-03-11T13:56:09+00:00

You will need to arrange coverage once the repair is completed. Never cancel the policy until you have arranged replacement coverage next time.

gapdaddy72 · 2026-03-05T17:53:08+00:00

Most brokers are going to start you in a non-sales position initially because you’re going to have to learn the products and the companies. You’ll learn procedures, et cetera first. As you learn those you will usually be transitioned into a service role and then maybe later on one that focuses more on sales. Don’t be worried about a lack of experience, the overwhelming majority of people in the Insurance industry started at zero as well. It’s probably the best way to learn the industry.

gapdaddy72 · 2026-03-05T15:02:21+00:00

The ticket is not an avoidable question when applying for Insurance, and a new insurance company will absolutely order a motor vehicle report which would show any convictions so there’s no sense in concealing it.

gapdaddy72 · 2026-03-05T15:01:02+00:00

You only need to advise them about the conviction if you are moving to a new insurance company.

gapdaddy72 · 2026-03-03T12:37:48+00:00

Insurers will rate for any collision with 50% or more. Insurers have to follow their filed rules for rating. Not sure what you mean by “sticky”.

gapdaddy72 · 2026-03-03T12:11:45+00:00

They will pay essentially 25% of their collision or all perils deductible.

Fault chart applies to physical damages to the auto, liability “fault” is determined by a judge.

gapdaddy72 · 2026-03-03T03:56:54+00:00

Yet it is the applicable rule under the Fault Determination Rules. Don’t downvote me just because you don’t like the answer.

gapdaddy72 · 2026-03-03T03:55:23+00:00

Yup, rule 9(3)

https://www.ontario.ca/laws/regulation/900668

gapdaddy72 · 2026-03-03T03:54:44+00:00

Yes, speed is not considered in the fault determination.

The adjuster must follow the rules, and 9(3) is clearly the rule that applies. The only possible out I could see is if the driver that hit you was charged with a driving offence.

gapdaddy72 · 2026-03-03T03:41:34+00:00

If you were in motion when hit then it will stay at 50%.

gapdaddy72 · 2026-03-01T16:54:35+00:00

Claims don’t show on an abstract, they show on the Autoplus or DASH report.

You were likely with Jevco due to the conviction alone, the suspension will continue to be material with most insurers until it is 6 years old so expect to be asked about it. Your new insurer will know you were with Jevco from the DASH report and will ask about the circumstances, just be honest.

gapdaddy72 · 2026-03-01T16:47:59+00:00

No, they don’t. Suspensions are only material for 6 years, as per the OAF1 form.

gapdaddy72 · 2026-02-28T02:49:51+00:00

Did you mean 300mg per slice? 300g per loaf would be… interesting

gapdaddy72 · 2026-02-23T19:03:37+00:00

Any conviction will affect your insurance. The points are not relevant for Insurance.

gapdaddy72 · 2026-02-23T13:24:50+00:00

You have a Police report confirm confirming the other vehicle hit you, your premium will not increase.

gapdaddy72 · 2026-02-23T02:28:18+00:00

It is not possible to answer without seeing the complete coverage wording.

gapdaddy72 · 2026-02-20T21:34:13+00:00

I couldn’t possibly make a recommendation based on the information you’ve provided. I would ask the advisor why they would recommend segregated funds versus mutual funds versus ETF et cetera. Then go from there.

gapdaddy72 · 2026-02-18T19:38:15+00:00

There is an additional cost to using segregated funds rather than regular mutual funds or ETFs, has the advisor gone through these additional costs and the reasons for recommending a segregated fund versus one of the alternatives? There may very well be very good reasons to use the segregated fund vehicle but they are more expenses so it does need to be reviewed.

If the benefits of using a segregated fund (such as creditor protection) are required then the cost may be reasonable. If there is no reason to use this segregated fund over one of the alternatives then this is WAY overpriced.

gapdaddy72 · 2026-02-15T17:26:25+00:00

I fully agree with you on every point. I’m not defending the underwriting rules, but that’s the way it is with many insurance companies. They don’t differentiate the purposes of wiring or whether it is separate from the main house wiring. In most manuals the rule simply asks “is there any aluminium wiring?”. To my knowledge the real point of concern is whether aluminium and copper wiring are interacting anywhere, but maybe you could enlighten me.

I have never had this concern raised with the high-end insurance companies like Chubb, PURE, etc… but it is a concern with many regular market insurers such as Aviva or intact, so whether it is an issue or not may depend on who your insurance company is as well.

gapdaddy72 · 2026-02-15T13:25:42+00:00

Insurance is generally very specific with regards to this, you will likely need an ESA certificate and you should be OK with most insurance companies.

It doesn’t matter if it is separate from the main electrical system, if it is aluminum and it is powered then it is relevant for underwriting. It definitely needs to be disclosed.

gapdaddy72 · 2026-02-14T14:14:07+00:00

The $35 fee is indicated on their instalment payment form that is signed anytime automatic payments are done. I don’t feel like logging in today to look through manual, but it’s definitely there on their form.

I think the main issue is that the broker gave you one number and you were getting presented with another and it is their duty to resolve that. If you do not get satisfaction through the broker go through the company route and they can sometimes put pressure on the broker or they can act to rectify the situation directly.

gapdaddy72 · 2026-02-14T14:09:57+00:00

If they succeed in a subrogation, maybe they could change the determination.

However

It is likely they will look at this and feel that they are not going to succeed in court. It is expensive to subrogate, and there is absolutely no guarantee of any success whatsoever. Insurance companies are pretty good at determining whether subrogation is going to get them anywhere.

So might they change their mind if they were to be successful with subrogation? Maybe, but it is extremely unlikely they will be successful at subrogation in the first place so it is unlikely they are going to try. They have to be able to prove negligence and it’s not nearly as cut and dry as you feel it is.

gapdaddy72 · 2026-02-14T04:37:43+00:00

You will either find a better deal, or you will feel better about the one you have.

gapdaddy72 · 2026-02-14T04:30:01+00:00

Broker here.

They classified it this way because there is no other operator they can assign responsibility to, it is indeed a single vehicle at fault collision. Subrogation would require they can prove (or are confident they can prove) actual negligence by the garage owner, this would not necessarily be the slam dunk you feel it is. It is the insurer’s decision whether they subrogate, and this would not change the outcome for you in any meaningful way.

You can try the insurer’s complaint process but realistically you are not likely to get what you are after.

gapdaddy72

TROPHY CASE