06-01-2019, 09:55 AM
(06-01-2019, 01:02 AM)jeffster Wrote:(05-31-2019, 03:41 PM)GtwoK Wrote: Out of curiosity, who pays for that? The van driver's insurance, I'd assume, because damn, I feel like a $40,000 payout is gonna raise their insurance cost by a pretty penny
Ontario has "No Fault" insurance in terms of who pays what, so RoW has to pay; and they have their own insurance pool. However, since the van driver was at fault, their insurance goes up, assuming they had it. Zero effect on RoW, as they're not at fault.
As for the exaggerated costs; I don't believe the damage is serious, however, the part that is destroyed isn't a dime a doze. And the vehicles would have to be given a full inspection to ensure everything is good.
I got rear-ended by a lady when I stopped for a school bus, you could hardly see any damage at all, but we took it in anyway, and total was $4,800. About $3,800 of the cost was labour. So I think the same applies here.
The cost of the repairs is quoted at 40k, train bumpers are not the same as car bumpers...in that one is not mass produced.
As for "no fault", it simply means one goes to ones own insurer for coverage, I believe the insurers in the background settle up based on fault.