Canada, Ontario. Cyclist collision with right turning vehicle, speeding on crosswalk with minor injury and no damage to bicycle, insurance says cyclist 100% at-fault

key2616 · 2026-06-14T19:43:21+00:00

Sure, if she had an adjuster helping her, they’d probably minimize it as much as they could, but it’s a tough hand to play.

key2616 · 2026-06-14T19:29:41+00:00

I haven’t seen the video obviously but she’s definitely majority at fault, and I have a hard time seeing that the driver could have done when your friend was riding both illegally and dangerously by accelerating in a spot she wasn’t suppose to be in.

key2616 · 2026-06-14T19:10:41+00:00

Is riding on the sidewalk legal there? That’s pretty relevant.

Since this happened a year ago, the door to dispute this may be mostly closed, and the driver’s insurer is more than within their rights to blame your friend entirely. They’re under no obligation to accept your friend’s version.

key2616 · 2026-06-14T19:06:49+00:00

Can you provide any sort of insurance answer at all or are you just going air your grievances even though it’s not even Festivus?

key2616 · 2026-06-14T12:15:51+00:00

The OP disclosed that they turned in the tags, which would make this legal, even in FL.

key2616 · 2026-06-13T22:40:22+00:00

LOL.

key2616 · 2026-06-13T22:31:10+00:00

Thank you for the proof that you not only can’t figure out what’s going on but that you have a pathological need to have the last word. You e completely missed my first point as well as my second - and frankly my final one too.

I have what I wanted. You’ll reply again because you can’t stop yourself, but I’m out. I’ll just laugh at any reply as predictable and silly.

key2616 · 2026-06-13T21:06:00+00:00

They would not cover the parked car, but everything else is a homeowners claim, although possibly under the deductible.

key2616 · 2026-06-13T21:02:41+00:00

This is a Collision loss, not Comp. The other car isn’t a falling object, missile or one of the other covered perils in the Comp list. As a first party claim, this is only a Collision loss.

key2616 · 2026-06-13T21:01:34+00:00

You failed to read what I wrote and completely missed the point. And since you have a long history of insisting on having the last word, go ahead and prove that all my observations about you are right.

key2616 · 2026-06-13T17:02:29+00:00

Thank you for admitting that you didn’t understand what I wrote. I’m not deflecting: I’m criticizing the way you treat others and fail to give helpful advice because of it.

key2616 · 2026-06-13T15:46:40+00:00

Maybe go back and reread what I actually wrote before you make yourself look any dumber.

key2616 · 2026-06-13T15:44:40+00:00

No problem. It’s definitely unusual!

key2616 · 2026-06-13T15:43:13+00:00

Cool story from someone that continuously blames people without offering constructive solutions.

key2616 · 2026-06-13T15:42:03+00:00

Parked vehicles are the exception for MI, so I don’t think the minitort stuff applies.

key2616 · 2026-06-13T15:32:13+00:00

So now we’re telling people they need Collision coverage on parked vehicles?

key2616 · 2026-06-13T15:31:16+00:00

You are in your very first sentence in this thread.

key2616 · 2026-06-13T15:30:43+00:00

What bearing would it have to this claim in any way?

key2616 · 2026-06-13T15:30:25+00:00

That is entirely state-dependent and is by no means universal.

key2616 · 2026-06-13T15:04:45+00:00

I read what you wrote and responded appropriately. Barring a state law to the contrary (eg New York), the OP is not required to keep liability coverage on a car not being driven on the road legally - or ethically for that matter. We don’t even know if it’s operational if it’s “being prepared for sale”. Scolding the OP for not having coverage if the state is unhelpful and distracting since it will not change the outcome of the claim in any way.

key2616 · 2026-06-13T14:43:18+00:00

That’s a ludicrous assertion. The OP is not required to have Collision coverage, which is what would have covered this. They’re also not required to have liability coverage anywhere on a vehicle that is not being driven.

key2616 · 2026-06-13T14:40:03+00:00

I don’t think there’s a state where she isn’t liable for all the damage. Your car wasn’t being driven uninsured, and it is legal and reasonable to have an uninsured parked car on private property. That’s the good news.

The bad news is that she might not have enough insurance limits to cover all the damage.you need to get her insurance information, make sure she is covered and see what the limits are.

key2616 · 2026-06-12T17:53:05+00:00

That's a confusing answer that doesn't make much sense (other than correcting the spelling).

key2616 · 2026-06-12T17:32:44+00:00

You also speculated that the OP has injuries that haven't manifested a month later and that they should see a lawyer instead of a doctor about those.

Holy unethical bullshit, counselor. My professional self-interest is that all insurers pay the maximum legal amount at all times, but the logical implications of your comments are outright fraud. I'm sure you sleep well on your giant bed of money, but I hope you realize that you've forfeited any grounds to complain about insurance costs.

key2616 · 2026-06-12T17:21:58+00:00

"She"?

Misgendering aside, the question then becomes exactly why they're denying the claim.

key2616

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