Canadian Car Insurance: Accident and my car is written off

Factual Questions
1

Hello folks,

I know this question has been asked before, however this is a somewhat American leaning board, and I am wondering if there are any differences I should be aware of in regards to Canadian Insurance. That being said, any hints and helpful comments are always welcome.

I was in a car accident today. I was at an intersection, I had the green light, it had been green for a while as I was not the 1st car through the intersection. However when I reached it some transport truck decided that he needed to go through it at about 80-100kms. Not a normally a problem, except he was going North and I was going east. Yes, he ran the red light, quite obviously so as well. So I hit him broadside, my car spun around 180 degrees and hit him again. Good news is my trusty old 2002 pontiac Grand AM SE sedan did its job and died so I didn’t have to. I am fine, a little sore, I have a headache but thats about it. Really quite lucky all in all, particularly gauging from the witnesses point of view (some who said they were shocked I got out of the car, others who said they expected to see my collapse after I got out).

This car had a fair amount of clicks on it, say 150,000 KM or so. It was a 2002 Grand Am SE Sedan (4 door) automatic. How can I make sure I get the most I can out of my insurance company? Thanks.

2

I don’t know what guide the insurance companies use in Canada, but most U.S. companies use NADA (Nat. Auto. Dealers Assoc.). You can get an idea of value here:
http://www.nadaguides.com/default.aspx?LI=1-21-1-5004-503-505-50642&l=1&w=21&p=0&f=5002

3

:eek:

I’m glad that you are okay, Queuing. Sadly, I cannot help on your question, as I have never been in such an accident (or even owned a car).

4

I can tell you that you should present any and all service receipts - especially any for expensive parts/repairs or new tires.

Also, bring any ads/postings for cars for sale that compare to yours.

5

Does it matter when? I just (just being maybe 4 months ago) put $1700 into the car, for a new catalytic converter amongst other things.

6

It’s a judgemant call, but I’d certainly show them the receipt for the repairs. The ins. co. will sell your vehicle for salvage, the new cat. conv. should make it worth more and that should be reflected in your compensation. You’re not likely to get the $1700., but you should get a portion of it. Again though, it’s a judgement call.