How Long does the person have to submit a claim?

by Daniel
(Oshawa, Ontario)

I was in a car accident about 15 months ago and the person told me that he would be nice and not go through insurance as the damage was minimal. I left a very small amount of damage on their back bumper (all the damage according to the quote is superficial and are the bolt prints from my license plate on my car).


The person said they would get back to me with quotes and then I gave them my information. They contacted me about three months later on December 17th 2010 and told me they were going away on business but they had two quotes one was $500 and the other was between $600 and $700.

I did not hear back from the person until December 15th 2011 (nearly one year later so i had clearly assumed that they did not want to go through with the repair)

I looked up their license plate information online and it doesn't appear like they are the car's owner and they will now only provide me with the more expensive quote. I feel like this may be a cash grab from the other driver and would like to tell the person to go through insurance rather than sending them a cheque in the mail as per their request.

Could they still claim this through their insurance company? What would you suggest in this situation?

Time Period for Claims


Hi Daniel
These situations are difficult and I am reluctant to reply ...

The Ontario Auto Insurance policy states that the insurer must be informed of an accident within 7 days (there are a couple of exceptions). A formal statutory declaration must be made within 90 days of the claim.

Waiting over a year seems very strange and raises red flags.

I would be inclined to tell that person to call their insurer. If it is possible to put in a claim their insurer will contact your insurer to handle the details.

If you decide to pay this person any sum of money, get a detailed receipt and signed letter stating that you are not liable for anything further (or something to that effect).

Please be sure to discuss this further with a licensed insurance representative.


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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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