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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Note: Always speak with a licensed insurance professional about your specific situation. This insurance information is general in nature and the policy wordings always take precedence. It is possible that there are errors and omissions in this website and www.canada-insurance-source.com, or its authors, take no responsibility.

Keep in mind that insurance licensing, legislation, and policies often vary by province and most certainly by country. Canada Insurance Source is a free information source. So use this site to gain a general understanding of insurance with your own area and situation in mind.  Make sure you review the "please read" page. Always speak with a licensed insurance professional about your specific situation.

Always speak with a licensed insurance representative about your specific situation.

This site is general in nature and there may be errors or ommissions

Please Read

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