Question About Auto Insurance In Alberta

[FlamesKickAss]

I've been a prop adjuster for 2 days now..... Prior to that I was an auto adjuster. So unless things changed since Friday......

[macker]

Originally Posted by FlamesKickAss

I've been a prop adjuster for 2 days now..... Prior to that I was an auto adjuster. So unless things changed since Friday......

The hit and run will be coded/adjusted/settled as collision.

[FlamesKickAss]

No it won't at all company's. Why don't you understand this?

[macker]

Originally Posted by FlamesKickAss

A deer is not a "flying object", a dead deer is a collision. Technically an alive deer is a collision too.... But all companies put it as a comp claim and some have in their wordings under comprehensive as collision with an animal



Depends on the company and the circumstances.... At the company I work for as an adjuster it is considered a comp claim if the vehicle is parked and there is absolutely no information of the other vehicle. Even if they know it was a blue car and that's it, it's considered a collision. Not every company does this though but I know of a few including the place I was workin at as a broker for before.

I didn't see this post before. I would also add that you need to take into account if the animal is in motion or not. If it is in motion it is comprehesive but if you hit a stationary animal ie roadkill this would be considered collision. You are deemed not at fault if you hit an animal in motion and at fault if you hit a stationary animal. If you swerve to miss a live animal and hit a tree you are at fault so make sure you hit the animal

Just curious as to what company this is that would deem a hit and run as a comprehensive claim?

[Slava]

I just can't believe that you're arguing this at all. The OP asks a question and gets advice from people who either have adjusted these claims or did as recently as a few days ago and for some reason you're still not satisfied. Its incredible really.

[Hilch]

Originally Posted by macker

The hit and run will be coded/adjusted/settled as collision.

Not all insurance companies are the same. I know most are moving that way but some still put the claim as comprehensive.

[93Hound]

You may want to check with the Broker first and see what he or she says on the matter. Yes you can go through the insurance company and you pay the deductible, No it will not go against your premiums as it is called a NOT AT FAULT claim. I advise my clients to call me first in the event of a small claim no matter if it is at fault or not depending on what might be better for the client at that particular time. Some times it is better to pay out of pocket due to the deductible and claims history. It can be very complicated but you can talk to your broker and see what is said. Now some brokers will let the insurance company know right away and some will not. All depends on the broker. I will always advise as to what is best for teh client and not let the insurance comany know if the client decides to pay out of pocket.
PM me if you care to talk.

[macker]

Originally Posted by Hilch

Not all insurance companies are the same. I know most are moving that way but some still put the claim as comprehensive.

Which is why I was curious as to which ones you and someone else were referring to that are still paying out a hit and run as a comprehensive claim. Don't worry this isn't being sent in to the superintendents office If you look at the top 5 for market share :
1. Intact = Collision
2. Aviva = Collision
3. Co-operators = Collision
4. Economical = Collision
5. TD = Collision

Chances are the OP is insured with one of the above companies and it will be viewed and settled as a collision as technically this is what happened.

[93Hound]

Originally Posted by macker

1. Hit and run : Collision or Comprehensive ?

2. Hitting a deer : Collision or Comprehensive?

Ok here is the rule:

Hit and run is a collision claim......if the client decides to claim at all

Hitting a deer is comp claim. The insured will pay the lower deductibel on the "hitting a deer" Now in the odd case when an insured does not have comp and does have collision.... then it goes to collision.

[VladtheImpaler]

Originally Posted by macker

Which is why I was curious as to which ones you and someone else were referring to that are still paying out a hit and run as a comprehensive claim. Don't worry this isn't being sent in to the superintendents office If you look at the top 5 for market share :
1. Intact = Collision
2. Aviva = Collision
3. Co-operators = Collision
4. Economical = Collision
5. TD = Collision

Chances are the OP is insured with one of the above companies and it will be viewed and settled as a collision as technically this is what happened.

Irrelevant to the discussion at hand , but did not realize Aviva was #2 - I rarely come across Aviva on my files, and would have thought they'd be well down the list, below Wawanesa and AMA, as well as the 4 others above...

[Boblobla]

Originally Posted by macker

You are deemed not at fault if you hit an animal in motion and at fault if you hit a stationary animal. If you swerve to miss a live animal and hit a tree you are at fault so make sure you hit the animal

Swerving to avoid anything is a bad idea typically, especially if you swerve into the path of an oncoming poplar...

Originally Posted by macker

Which is why I was curious as to which ones you and someone else were referring to that are still paying out a hit and run as a comprehensive claim. Don't worry this isn't being sent in to the superintendents office If you look at the top 5 for market share :
1. Intact = Collision
2. Aviva = Collision
3. Co-operators = Collision
4. Economical = Collision
5. TD = Collision

Chances are the OP is insured with one of the above companies and it will be viewed and settled as a collision as technically this is what happened.

I am just curious as to why you are rock solid sure that all of these insurance providers will consider this a collision. Please provide your sources as you have been screaming for others to do in this thread.

[Slava]

I've seen claims where someone swerved to avoid a deer and rolled in the ditch. I know macker will never believe this....but the insurer counted it as a comp claim.

Claims are definitely somewhat negotiable. Claims get paid that are borderline and claims are denied where you might think that there should be coverage. Its not as black and white as what its being made out to be here for sure. Because the situations are all unique and there are a lot of factors there is room for discussion and movement to some extent.

Anyway, I left that side of the business years ago and have never regretted it for a second.

[93Hound]

COLLISION WITH AN ANIMAL

A claim arising out of a collision with a bird or animal is treated as a Comprehensive claim (subject to the
Comprehensive deductible). In the absence of any Comprehensive coverage, the claim will be treated as

Collision, subject to the Collision deductible amount.

This is right out of an insurance companies manual.

[macker]

Originally Posted by boblobla

swerving to avoid anything is a bad idea typically, especially if you swerve into the path of an oncoming poplar...



I am just curious as to why you are rock solid sure that all of these insurance providers will consider this a collision. Please provide your sources as you have been screaming for others to do in this thread.

403-232-3245, 1-866-692-8482, 1-800-607-2424, 1-800-268-8955, 1-877-682-5246

[Hilch]

Originally Posted by macker

Which is why I was curious as to which ones you and someone else were referring to that are still paying out a hit and run as a comprehensive claim.

Well for starters I'm not willing to go through every insurance companies current wordings to figure it out because I really don't care that much and either way this will be a NON-FAULT claim whether it's comprehensive or collison.

Also some adjusters have more power to make a decision depending on the company. I have personally see a hit-and-run claim paid by comprehensive, collision and uninsured/underinsured coverage. I have also personally seen a hit-and-run claim paid by an insurance company for someone who only had comprehensive coverage on their vehicle. So if comprehensive didn't cover it why would an insurance company or all people pay the claim out?

[93Hound]

Macker you are absolutely right...
Hit and Run is a collision
Hitting a deer is Comprehensive.

[macker]

Originally Posted by 93Hound

Macker you are absolutely right...
Hit and Run is a collision
Hitting a deer is Comprehensive.

Unless you could prove malice or intent but that is unlikely as it is a hit and run.....not a malicous act or vandalism....

[Hilch]

Originally Posted by 93Hound

This is right out of an insurance companies manual.

One insurance company doesn't mean they all do it that way. Just like some insurance companies give more power than others to their adjusters.

[macker]

Originally Posted by VladtheImpaler

Irrelevant to the discussion at hand , but did not realize Aviva was #2 - I rarely come across Aviva on my files, and would have thought they'd be well down the list, below Wawanesa and AMA, as well as the 4 others above...

Aviva has about 8-9% market share.....Wawanesa about 4%

[VladtheImpaler]

Originally Posted by macker

Aviva has about 8-9% market share.....Wawanesa about 4%

I am not disputing the numbers, just expressing surprise, based on my own unscientific observations.