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?

3 Comments so far

  1. shy (unregistered) on July 7th, 2005 @ 8:36 pm

    you haven’t heard the half of it…

    a friend’s brother drives a delivery truck (those transporters) for a living. one time, he had to veer off the road because another little, compact car almost rammed into him from the side.

    clearly the other driver’s fault.

    the truck he was driving was fine but had some minor damages. because the other car took off, there was no one to blame.

    his insurance company told him that the next time that happens, don’t go off the road. just keep on going. it would then be easier to proove that it was not his fault.

    of course, that would mean that the other car would have not only faced severe damage to the car, but the driver’s life might be at stake!

    when my friend’s brother mentioned this to his insurance company, they simply replied, “well… yeah. that’s just the way it is.”

    since when the FUCK did some one’s safetly be least important when it comes to accidents? this no-fault crap is evil.


  2. judy (unregistered) on July 7th, 2005 @ 11:36 pm

    i swear it’s an organized sham!


  3. Ian (unregistered) on July 12th, 2005 @ 12:21 am

    Yes no fault insurance is evil. What are we going to do about it? It seems the politicians at Queens Park just make things worse whenever they address the auto insurance issue. (And most other things for that matter lol) Free markets are the answer but as soon as you say that everyone jumps to defend the system we have now. It’s a no-win situation unless there is drastic change, which of course will happen in time…I’ve babbled enough. Call me one more Ontario driver who just felt like venting over this whole sorry insurance mess. (Mess from the driver’s perspective that is, certainly not from the industry point of view, is my guess)



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