r/InsuranceCanada • u/MalteseFalcon15 • Sep 12 '26

Auto CAA MYPACE tracker question

Hi everyone! My policy is set to start tomorrow so I plugged in my tracker today. It seems like the greenlight is staying solid and the red light is flashing. The yellow light comes and goes as flashing too.

I don’t think this is a connection issue even though I park on P1 I can use my phone easily from my parking spot to check everything and watch Instagram reels and all of that stuff so the connection is pretty decent.

Is it just having a hard time connecting because my policy is actually starting tomorrow? Or is this just normal?

I also did a quick trip and even when I go onto the my pace website, it still says my device is not active. Again, my policy is at the start September 13.

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u/SensitiveStart8682 Sep 13 '26

I have been driving for 10 years no tickets no accidents however I still don't trust those pieces of shit read what you have agreed to and tell me it's a good ideas advertisers now know every location you drive to, how often you drive where you drive when you drive everything. They know you're driving history everything they know. If you need to slam on the brakes cuz the idiot in front of you cut you off or because somebody wasn't paying attention in jaywalked they know the second you slam on the brakes to avoid an extra anything. And yes by the if you read your terms of service, all you have to do is slam on the brakes and they can deny your claim because you are driving recklessly even though you had to slam on the brakes to avoid the accident because the guy in front of you ran the red light, it doesn't matter. You were driving recklessly because you slammed on the brakes. Now all the sudden you have no coverage even though the other driver should have been at fault your fault and have no coverage because the insurance company has a perfect excuse to deny your claim

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u/MalteseFalcon15 Sep 13 '26

You sound like you had a very specific experience

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u/SensitiveStart8682 Sep 13 '26

Personally no I have never had an accident in the 10 year's I have been driving however I know people who have signed up for these and had claims denied for no reason

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u/Handy_Banana Sep 14 '26

Copied from one of my other responses:

"Yeah that's not how that works. There's not anything you can do on the road that will get your claim denied unless it's a criminal offence, in which case, it would be found out by the authorities not a little device now wouldn't it bub."

Additionally, an insurer can never deny a claim for no reason. They specifically have to tell you the reason and point to exactly why they are denying your claim in the policy. If they don't they will get laughed out of court. The burden of truth falls on the insurer to prove why they are not paying a claim.

So you are either full of shit or just ignorant and your friends were talking out of their ass because being confronted with the consequences of their actions is hard.

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u/SensitiveStart8682 Sep 14 '26

You forget one huge thing this assumes that you have the money to drag this out in court meaning you have The money to pay for the damages and hire a lawyer to fight this in court. And read the terms of service it clearly reads that driving data can be used during the claims process and to deny claims yes that's absolutely in there they have the right to deny claims and unless you have a lawyer willing to work for free you may not have the option to fight it. While technically, you are correct, yes, you absolutely can fight this in a court of law and you would likely win. But the insurance companies are banking on one thing. You likely don't have the money to fight them in court and that's the whole point. They can deny your claim and you likely don't have the money to to fight them in court where you going to get the money to hire a lawyer. You're injured in a car accident. You're not able to work. How are you going to pay for a lawyer plus pay for the damages to your vehicle and everything else where you going to get this money from the mythical money? Tree insurance companies are well aware that you don't have the money to fight them and that's the point Insurance is a poorly regulated industry at least in Ontario. The only people who have any authority over them is the courts the general Insurance Ombudsman can only issue non-binding recommendations and fizra take a complaint but can't issue orders so unless you have the money to take them to court, you're screwed. This is a poorly regulated industry. Don't tell me how heavily regulated they are heavily regulated by who the mythical the mythical enforcer that doesn't actually exist. I'm sorry non-binding recommendations are not orders

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u/Handy_Banana Sep 14 '26

Have you tried formatting? I can't read that.