Minor accident, replacing RXT?

Mary_Ann

New member
So, my BF was in a minor fender bender today. He was stopped due to traffic and the car behind hit him. His rear bumper is cracked and the right side is detached from the car.

We have a PW and a RF Radian RXT, unoccupied. Do you think I have to replace the RXT??? I'm in Canada and I don't want to submit a $400 claim to insurances if I don't absolutely have to.

TIA!

ETA: of course, BF wasn't injure.
 
ADS

Mary_Ann

New member
Here in Québec, each driver is compensated directly by his own insurer. It's a weird system! Usually when we submit claims, our insurance bill raise at the renewal.
 

Patriot201

Car-Seat.org Ambassador
Wow, that is annoying! So if you have terrible luck and have three people slam into you, at no fault of your own, your insurance goes up? Yuck!
 

Mary_Ann

New member
Actually, if you only have one accident in 2 years, it won't necessarily go up. But if in the last 5 years you have had 3 accidents, then insuring your car will be more expensive. We also have a deductible to pay if we are at fault, or 50% at fault. The amount is set in our contract.

I pay $600 a year for a brand new Scion xB. I have $200 deductible for "collision" and $50" for fire/steal/vandalism ". My deductible for accident without collision is $100.
 

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