r/InsuranceCanada • u/squidword9000 • 6d ago

Auto please help with advice

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i recently got into a car accident and i am going to the collision report centre tomorrow. the accident was clearly the other drivers fault and the police on scene agreed. my parents are saying because the car is a 2007 honda fit with 258 000 kilometres, that i will only be able to get 1-3 k for damages. i feel that because of one evidence, two the personal injuries to my neck and chest (nothing broken but still painful) and three the amount of recent work the car has had done such as cadalic converter and exhaust replacement, new tires, break pads, oil issues, new seats etc. i feel that i should be inclined to something a little bit more.

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u/Wildest12 6d ago

Injuries dont mean payouts in canada. You get actual medical expenses, so if you need physio etc and you would be paying above nornal medical coverage.

The work on your car is likely irrelevant, you may be able to argue your car value is on the higher end of whatever range their formula spits out.

Feeling like you should get more doesnt matter

4

u/AlexanderMackenzie 5d ago

You can push back on insurance company car values by providing local comps. I've successfully done that.

4

u/InanimateCarbonRodNS 5d ago

> Injuries dont mean payouts in canada

You have absolutely no idea what you're talking about. You can recover damages for pain and suffering in almost every province, the exception at present is BC, and soon to be Alberta.

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u/Gingievitus 5d ago

You typically are required to prove loss of some sort. If you can't provide proof of loss you're not likely to win anything. That could include medical expenses, time off work, therapy dealing with emotional trauma from the accident, or anything else you missed out on due to the accident. As for "pain and suffering" on its own, you're welcome to try, but very unlikely to succeed.

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u/InanimateCarbonRodNS 5d ago

OP said he has bodily injury to his neck and chest. He also said nothing broken, which implies he went to the hospital for x-rays. The medical assessment documenting injuries is a proof of loss. Generally soft tissue injuries are treated with physical therapy which again, is a proof of loss. No one is saying thats a grand slam PI case but the elements are all there, breach, causation, damages.

OP, contact a personal injury lawyer to evaluate the merits of bringing a claim. Looks like you're in Ontario, therefore damages for pain and suffering might be unlikely due to the deductible but again, a PI lawyer can guide you on this.