this post was submitted on 06 Oct 2025
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Must be nice
It is. I'm in one of those provinces. We get rebate cheques if they take in more cash than outgoing.
We also had an accident where somebody turned into us, but no witness. The insurer of both parties is identical because its the same for everyone, so they did a 50-50 fault and we both get our car fixed with no premium changes
I mean, in my experience that's the point where you put in a call to the local PD and get it reported, so the accident doesn't go on your record. If their car is t-boning your car, its a pretty clear-cut case of them being at-fault.
But if it was minor and folks were in a hurry and nobody cared, I definitely get it. Nice to live in a country that friendly and chill.
Police don't come for accident here, unless it is really major or injury. There's no suing each other or an opposing insurance, so a police report becomes irrelevant.
I though a side dent would show other person at fault, but the insurance company said an alternate way is person is already turning and instead of yielding to traffic in a turn you speed ahead. I felt like arguing it, but since it doesn't matter we just let it be.