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Should I not claim insurance on car Accident involving TTC Bus?
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Should I not claim insurance on car Accident involving TTC Bus?

I rear-ended TTC bus last night due to snowy road condition.
No one was hurt and TTC bus was not damaged at all.
I am thinking I should fix my bumper and don't claim my insurance because of premium increase.
Is it a bad idea?


    

mustanger
Rating
No. If all you have is minor damage you may not get much after the deductible anyway.


rah
no that is not a bad idea. if you can fix it with out involving your insurance then there is no harn in that.


Gambit
Rating
You do have to report an accident involving public transportation to the police (although technically the police are suppose to attend the scene of an accident involving any transit vehicle), however you do not have to report it to your insurer if the TTC isn't going to file a claim.


Don S
Rating
Check out the numbers and see what the insurance company has would cost. There wont be any claim if you chose not to follow through with it, just telling your agent you had an accident wont raise your rates. Many companies will even let you buy back the claim. So check and see what costs less.


Jay P
Rating
Did you speak with the TTC driver and exchange driver/vehicle information? If you did, I assume the TTC has a policy that all collisions ( even minor ) have to be reported to the TTC and the police. The police will call you and ask why you did not report it accident at a Collision Reporting Centre.
You certainly don't have to file a claim with your insurance but the collision will be on record with the police and if/when your insurance company pulls up your driver's abstract, they will see the report.

Of course if the bus was not damaged and the driver didn't make any note of the collision, this will be completely up to you of what to do next. If you choose to just fix the damage yourself, your insurance company need not ever know...





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