The Fallacy of No-Fault
In spite of the fact that my husband and I both have clean driving records, we still pay an arm and a leg for auto insurance. This is Ontario and we’ve come to accept the fact that insurance premiums are exorbitant here.
Then along comes a tow-druck driver who for reasons we still can’t figure out decides to put his truck into reverse at a traffic light. My husband honked his horn to no avail and the truck smashes into the front left side of his car causing quite some damage.
The tow-truck driver reports the accident to the local Collision Reporting Center and suddenly he’s claiming that my husband rear-ended him. He tells his insurance company the same lies and fabricates a witness.
The adjuster at our insurance company tells my husband that fault will be divided 50/50 and that our premiums will rise. It’s his word against the other party involved. WTF!
When the adjuster (after repeated tries) finally contacts this *witness*, he claims that my husband’s car is green (wrong, its black) and that he never spoke to my husband at the scene, only to the other driver involved.
It was clear that the other driver was lying – although it took our adjuster a very long time to figure that out. In the end, it was decided that the other driver was very much at 100% fault.
I’ve just discovered that our insurance system encourages fraudulent, shady practices and allows incompetent drivers to get off with merely a slap on the wrist. Where is the protection for hard-working, honest citizens? Or is that no longer part of the deal?