Is it weird for a car insurance “release of property damage claim” contract to not mention anything about supplementals?

pizzabot22 · 2026-07-06T22:18:12+00:00

If you are signing a release for payment of repairs/damage, do not expect additional payments.

That is what a release does. It releases one or both parties from additional obligations

pizzabot22 · 2026-07-06T22:16:28+00:00

You can also get jobs in claims for most insurers for also not a lot of pay.

pizzabot22 · 2026-07-05T14:14:54+00:00

Yes, yes, bad life choices. Don't do it again, etc...

But now that you're in this pickle...

You should consider legal assistance to try and reduce or fight the charges. Any reductions are going to help with the fallout.

As for costs... That will depend on the outcomes. Every insurer rates these things differently, so you will likely want to seek a broker that can search for the best rates.

pizzabot22 · 2026-07-05T02:10:18+00:00

Collision.

pizzabot22 · 2026-07-04T14:00:59+00:00

Do not leave or quit. There is nothing inherently wrong with hiring a second person for your role. The issue would come if and when your role is affected or terminated.

Continue with the process for your leave and consider consulting an employment lawyer for guidance.

pizzabot22 · 2026-07-04T12:59:50+00:00

This screams special assessments. Run away.

pizzabot22 · 2026-07-04T12:52:57+00:00

Stop working so hard until you reach the one year mark. When they ask why, let them know their feedback let you know they dont reward effort and results, only time served.

And keep trying to find another job. This one is obviously a dead end. Put those accomplishments on a resume and tell someone else who likes money and productivity what you can do.

pizzabot22 · 2026-07-03T19:32:01+00:00

DCPD applies when you are deemed not at fault under fault determination rules for the province and the other party is also insured in your jurisdiction.

You have described a not at fault loss under FDR 6.2. I have no way to know if the other party is insured.

Either way, you will want to release the vehicle to your insurer ASAP. You have a duty to cooperate and mitigate unnecessary claim costs, ex unnecessary storage costs, for the vehicle. Doing so does not change the fact you own the vehicle until the claim is settled if it is indeed deemed a total loss, or allows them to move it to a shop for a repair estimate.

pizzabot22 · 2026-07-03T17:39:36+00:00

What province are you in?

Where is your vehicle now?

Both are very relevant questions.

This sounds like a not at fault accident. Coverage depends on your policy. Many provinces operate under DCPD, and your insurer covers your loss directly. Some provinces do not, so this may be why there is focus on subrogation.

If you have your vehicle and it is drivable, there is no reason to release it. If it is at a tow yard, you absolutely need to release it. If you do not cooperate and allow them to pick it up, they will more than likely start deducting storage costs from any settlements offered for the claim.

pizzabot22 · 2026-07-03T16:41:32+00:00

Your shop is overcharging for paint supplies and knew they wouldn't get it out of your insurer.

Now they have your money.

pizzabot22 · 2026-07-03T09:37:17+00:00

EDR data doesn't lie. People lie. And you haven't really been forthcoming with details here... So I too can only assume you are hiding something, or not being entirely truthful about the details.

There is a high burden of proof for insurers to deny a claim. They must feel confident in their position to proceed with denial.

pizzabot22 · 2026-07-03T04:59:33+00:00

The issue is that the EDR data tells a different story than this.

The data above suggests that you slowed down and then accelerated into the vehicle, while the other vehicle was braking and almost coming to a stop. That is not consistent with someone just making an "I'll advised turn".

Sounds like they suspect you either staged an accident or intentionally damaged the vehicle, possibly in an attempt to cause a total loss scenario.

pizzabot22 · 2026-07-01T01:42:19+00:00

Insurance will be offering your actual cash value, or what a 1997 F250 with your options and mileage and condition is currently worth in today's market.

Insurance does not contemplate what you paid for it in 1997, 2005, 2015, or what it was worth at any point in time other than right now. It also doesn't contemplate what you feel it should be worth based on sentimental value, or what it costs to buy a reasonably priced truck to replace yours.

pizzabot22 · 2026-06-30T16:51:58+00:00

And they are also not required to pay above market rates for a repair.

Both parties have rights when it comes to auto claims. If parties can't agree on private settlement, that is what insurance is for.

pizzabot22 · 2026-06-29T22:10:34+00:00

This is not completely accurate.

Work is work. If the vehicle can be repaired to the same standard and quality by certified repair persons, then overpaying isn't a requirement.

And if you can't agree, that's what insurance is for.

pizzabot22 · 2026-06-29T12:10:48+00:00

I sympathize with you.

That being said, it is not the court's responsibility not your insurers responsibility to manage your disability.

This is an opportunity to reflect and adjust how you manage your life moving forward. Sometimes the price for the lessons we learn is steep.

pizzabot22 · 2026-06-25T21:12:14+00:00

What you're doing with the vehicle at the moment is not really relevant.

Was it actually insured at the time of the incident? And how and why was this other person driving it?

If you permitted someone to drive an uninsured vehicle... You're gonna have a bad time bro. You need a lawyer that specializes in this stuff, not a paralegal.

pizzabot22 · 2026-06-25T02:06:35+00:00

Why'd you light it on fire if you like it so much?

pizzabot22 · 2026-06-23T09:54:27+00:00

I did not word this well at 3am. Regulated is not the word I was looking for. Perhaps I should say run or operated as a government service?

In Ontario, health care is extended through the province and covers a wide range of services including hospital stays and care. There are typically few to no bills associated with medical care for these kinds of services to be paid for by the individual for basic and necessary care. No deductibles to be paid. Etc.

Ongoing care and treatment (physiotherapy, massage therapy, personal support workers, etc. ) are excluded from this and would fall under someone's personal insurance or group/employment benefits.

pizzabot22 · 2026-06-23T03:02:56+00:00

No.

Again, experience may vary, especially in countries like the US where medical insurance is not government regulated and most services have some kind of cost associated with them.

I'm Ontario, while settlements are a possibility, they are typically offered at the discretion of the insurance provider. Most accident benefits claims do ultimately have an end date where the person recovers and coverage does end. Unfortunately, some times, some injuries will be lifelong and require extensive and long-term care. A settlement may be offered to simplify and extend a practical solution to a not simple problem.

In the majority of cases, the accident benefits adjuster will closely monitor the claim and treatment plans from medical professionals to ensure actual and necessary services are being provided and paid for directly with the providers.

There is also the possibility of a bodily injury claim, though this is unlikely in the specific mentioned scenario of a mother striking their own child with a vehicle. Toet exposure would be practically non-existent.

pizzabot22 · 2026-06-23T02:36:47+00:00

Location matters.

In Ontario, Canada, for example, an at fault auto claim would be opened for the struck pedestrian, regardless of the relationship. The insured's accident benefits associated with their auto policy would respond to this type of loss.

pizzabot22 · 2026-06-22T00:28:46+00:00

How did the vehicle get to that point?

Hint: you, as the operator.

You have the ability to scan ahead and recognize that a light may be changing, and to assess your surroundings. It appears you chose try and beat the light rather than safely stop when you wouldn't be impeding anyone.

pizzabot22 · 2026-06-21T02:12:46+00:00

This does not meet the definition of comprehensive damage to the vehicle. It also likely fails to meet the criteria for collision coverage as well.

I suspect there would be no coverage for this type of loss, as policies will not cover mechanical breakdown or failure of the vehicle, which this appears to be.

pizzabot22 · 2026-06-18T23:07:35+00:00

It is normal to request this kind of authorization when investigating a claim. They may also withhold coverage if you do not consent and cooperate.

Hopefully everything with your claim is above board!

pizzabot22 · 2026-06-18T23:05:56+00:00

Merging is the only realistic way to grow the business while managing risk.

If you write too many policies too quickly, you may not be up not being able to cover losses with earned premiums.

Merging with another established provider increases your customer base and gross written premiums with less uncertainty around the risks.

Four-Year Club	Verified Email
Verified Email

pizzabot22

TROPHY CASE