Black ICE, hit a sign, minimal damage

by BKR
(Ontario)

Hello,
I recently lost control of my car on some black ice. I slid into a ditch and hit a road sign on a wooden post.
My car suffered minimal damage (>$1000). A police report was taken, but no charges were filed. I have to pay to replace the post.

Will the fact that a police report was taken have any effect on my insurance? Or does a charge have to be filed in order to effect my insurance?

Accident Due to Black Ice

Hello,
The fact that you had a single car accident is enough to raise your insurance rates. You will be deemed at fault. This will stay on your record for six years or longer.

Not getting charged helps a bit, because you would have also had a ticket affecting your rates as well.

Hope you're ok!

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