Costs of auto insurance claim
In early May I was parked in a private shopping strip mall lot.
I started to back out of my space, got about 4′, and then I could see in my mirror that a vehicle on the opposite side of the lane was also backing out.
I stopped, watched my mirror and waited.
The car kept coming, and then backed into my car.
They traveled about 40′ (14M) from their parking spot to hit me.
Rear bumper to my rear bumper.
I exchanged papers with the other driver and took pictures using my phone.
Other persons insurance pink slip was expired.
Their Alberta Graduated Drivers license was due to expire in 2 weeks.
Took pictures of my car and the other persons car.
On their rear bumper, all in the area of the contact there is paint and damage and dents from 2 previous collisions.
Red paint, green paint on their bumper on the dents and cracks.
My car is silver/grey
Went and got my estimate. Filed my claim. Over a month later when I log onto the BelairDirect website it shows the claim, the estimate at $1483, and I read:
“Are you at fault?”
“To be confirmed”
When I phone the adjuster he tells me they want to handle it as a “50/50” claim.
I disagree, but without witnesses I understand that may be difficult.
I ask what the charges to me would be.
$250 ( half my deductible)
I ask what the affect would be on my cost of renewal later this year.
“Call your broker”
I do not have a broker, I deal directly with them.
“We are not BelairDirect, we are Intact”
WTF? Belair is OWNED by Intact.
Whatever, called the general number, got through to a sales person.
Explained the situation.
Asked if the claim would affect my cost?
Asked “by how much, roughly?”
They tell me they can not ( or will not) tell me!
I look at what it would take to dispute this.
Can I go to court?
No, apparently Alberta has decided that all insurance matters must be handled by an arbitrator.
So, if you are in an accident in Alberta, and do not have a witness, you are screwed!
I thought crap like this only happened in places like Mexico!