(12-16-2016, 02:53 PM)SammyOES2 Wrote: People generally misunderstand "no-fault" insurance (not sure if this is what you did here). I believe the primary point of "no-fault" insurance is just that you always deal with your insurance company regardless of the details of the accident. Then your insurance company deals with the other parties insurance company on your behalf.
In accidents you still get assigned a percentage that you're at fault. This influences the amount of your deductible that you pay. More importantly, it also impacts whether your rates can be increased. If you're found to be <25% at fault, your rates won't go up. I think this is in all cases, but maybe this is insurance company specific.
Edit: For a 'fun' read, you can actually see how insurance companies have to determine fault in Ontario: https://www.ontario.ca/laws/regulation/900668
I got to read all this information recently... Last Monday I had to go out of town, and I slowed down and stopped behind the vehicle in front of me. I looked in the rear view and saw the woman behind me was not slowing down at all. I braced, and she plowed into the back of me, and pushed me under the SUV I was behind. So, I began to learn the process of insurance claims.
There is a provincial document (Insurance Act maybe?) that outlines in extreme detail different scenarios, and assigns levels of fault. It's far from perfect, but I was pretty impressed. (ie. In my scenario, since the two of us were stopped, Car 3 is 100% at fault for both Car 1 & 2. If I was merely slowing down to a stop when hit, Car 1 would be at 0% fault, Car 2 (Me) would be 50% at fault for the collision between Car 1 & Car 2, but 0% fault for the Car 2/Car 3 collision. Car 3 would be 100% fault for Car 2/3 and 50% for Car 1/2. So I was VERY happy that there were witnesses that stated I was at a complete stop!
)As for the insurance devices, I too am very weary of trusting the insurance company, but I did sign up with Ajusto (Desjardins) for my car. It measures only Hard Braking, Hard Accelerations, km's driven and time of day driving. There is no speed measuring on the OBD (Although they now have a phone app that I believe does measure speed). The documents I signed when enrolling stated that the data collected would never result in an increase in premiums, that it would only lower my discount. So I start the year with a possible 25% discount, and based on those 4 factors above, I am currently at 9%. The km's can get you 10%, but once you get over a certain number of clicks, you get 0%. I'm sitting at 3%. Travel times will get you 5%, I'm sitting at 4% as most of my driving is done outside of "rush hour" and "overnight". The hardest thing is the 10% possible for Hard Brake or Hard Acceleration. I'm at 2%. I find the acceleration the hardest thing, unless you baby the gas as you pull away from a stop, and take 15 seconds to reach 50 km/h, you get "hard acceleration". Braking is more forgiving, but when you get cut off [cause your that jerk taking forever to accelerate
] you get dinged for those as well.CAA Insurance also has a phone app I believe. All in all I'll take a 1% discount when I have no fear of it upping my premiums. Last year I got 14%, maybe one day I'll get the whole 25%!
Coke