More on Parking-Lot Accident
Feeling frustrated and helpless, I decided to called the Edmonton Police and my insurance adjuster to get a better understanding on how they view my situation.
Insurance Company vs the Police
It turns out even the police lay charges (when damage is over $1000) against the other driver, insurance companies looks into the report and disregard the police's point of view on this accident. Hence, police charged the person at fault doesn't mean I am not at fault according to the insurance company. Insurance companies pretty doesn't look at how the police conclude the situation, it is up to the insurance company to figure it out themselves.
Parking lot Accident
So, why it is still a 50/50 split. Basically as long as you are still in the progress of reversing your vehicle, even when you have stopped during the middle, are you still consider reversing. The technicality is that you are still backing out, once you hit, or being hit, you are still at fault. The only time you are not at fault is when you start driving forward.
Who is Getting the Benefit Analysis in the End
In the end, who get the benefit? Think about it, it is the insurance companies. Doesn't matter which insurance companies you are going with, they all cooperate with each others, and they don't look at their client's benefit first. Why? because once they will lure you and your opponent party to file a claim, both the insurance will make money off by increasing your's and the other's premium.
Regret and Reflect
I rarely regret my decision, but this time I do. What do I regret? I regret that i trusted my agent and file the claim. The WORST decision I have ever done! He told me that the worst is that my insurance would increase up to 300 dollars, which is acceptable in my perspective.
Insurance Company vs the Police
It turns out even the police lay charges (when damage is over $1000) against the other driver, insurance companies looks into the report and disregard the police's point of view on this accident. Hence, police charged the person at fault doesn't mean I am not at fault according to the insurance company. Insurance companies pretty doesn't look at how the police conclude the situation, it is up to the insurance company to figure it out themselves.
Parking lot Accident
So, why it is still a 50/50 split. Basically as long as you are still in the progress of reversing your vehicle, even when you have stopped during the middle, are you still consider reversing. The technicality is that you are still backing out, once you hit, or being hit, you are still at fault. The only time you are not at fault is when you start driving forward.
Who is Getting the Benefit Analysis in the End
In the end, who get the benefit? Think about it, it is the insurance companies. Doesn't matter which insurance companies you are going with, they all cooperate with each others, and they don't look at their client's benefit first. Why? because once they will lure you and your opponent party to file a claim, both the insurance will make money off by increasing your's and the other's premium.
Regret and Reflect
I rarely regret my decision, but this time I do. What do I regret? I regret that i trusted my agent and file the claim. The WORST decision I have ever done! He told me that the worst is that my insurance would increase up to 300 dollars, which is acceptable in my perspective.
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