No-Fault Car insurance coming to AB?

[Masked Bandit]

There are several angles to the current system vs. the no fault system but in the end I don't know that the consumer will be any better off with no fault. The theory is that for the most part you cut the personal injury lawyers out of the equation therefore reducing overall claims costs which in turn should lead to lower premiums for everyone. The reality is that Ontario has had no fault for a long time and they pay way more for insurance on average than we do here in Alberta, so where did things go wrong? As I understand it (and this is by no means guaranteed) Alberta is looking at somewhat of a hybrid system that will give you the choice to pay extra and still retain the right to sue the other guy for injuries in some circumstances. Frankly the whole thing seems like a shell game to just shift costs from one pocket to the next but in the end I don't think it's going to be any cheaper for the average Albertan.

[Thaco]

i just see this as careless/bad drivers get a free ride, instead of being 100% at fault and fucking them, they're only 50% at fault and it fucks both people....

I have a clean driving record mostly out of fear of my rates being jacked up... i am sure this free ride will change a lot of peoples attitudes. Might even encourage people to crash on purpose.... "my car's a shitbox, if i crash it, i get paid out, lets plow in to this innocent person and fuck them over too"

[ExtraSlow]

The people who get sued already don't bear the costs of those settlements. That's borne by the insurance company, and therefore by all thier customers.

I am sure that insurance companies will get thier profits either way. And the consumer is the least important part of it all.

[rage2]

TL;DR: we've been funding the @shakalaka car swap program all along for our own entertainment.

[JRSC00LUDE]

No fault in Saskatchewan sucks.

[lilmira]

Don't worry guys. It's a write off, they just write it off.

[max_boost]

This quote is hidden because you are ignoring this member. Show Quote

TL;DR: we've been funding the @shakalaka car swap program all along for our own entertainment.

Lol

[Masked Bandit]

This quote is hidden because you are ignoring this member. Show Quote

i just see this as careless/bad drivers get a free ride, instead of being 100% at fault and fucking them, they're only 50% at fault and it fucks both people....

I have a clean driving record mostly out of fear of my rates being jacked up... i am sure this free ride will change a lot of peoples attitudes. Might even encourage people to crash on purpose.... "my car's a shitbox, if i crash it, i get paid out, lets plow in to this innocent person and fuck them over too"

That's not quite how it works. The insurance companies will still determine fault and the at-fault party will still pay higher rates it's just that each side will now have their own insurance companies repair their vehicles. I'm not 100% sure how the PLPD angle of that is going to work but essentially in the end a not at fault event isn't supposed to raise your premiums.

This quote is hidden because you are ignoring this member. Show Quote

TL;DR: we've been funding the @shakalaka car swap program all along for our own entertainment.

Rep for you. We all should have realized this much sooner.

[Masked Bandit]

Think of it like this:

You're 10 years old and you're scrapping with your sibling when your Mom walks in the room and says "what the hell is going on here", both you and your sibling insist that the other side started it and she says "I don't care who started it, both of you go to your rooms and your Father will deal with you when he gets home". Then, Dad comes home, listens to both stories, figures out who's lying and beats wholesale ass on the guilty party while the other one gets cookies from Mom.

[Buster]

This quote is hidden because you are ignoring this member. Show Quote

Think of it like this:

You're 10 years old and you're scrapping with your sibling when your Mom walks in the room and says "what the hell is going on here", both you and your sibling insist that the other side started it and she says "I don't care who started it, both of you go to your rooms and your Father will deal with you when he gets home". Then, Dad comes home, listens to both stories, figures out who's lying and beats wholesale ass on the guilty party while the other one gets cookies from Mom.

tough upbringing?

[rage2]

This quote is hidden because you are ignoring this member. Show Quote

tough upbringing?

He might be Chinese.

Edit - nope. If he was Chinese both mom and dad would’ve kicked his ass.

[Xtrema]

This quote is hidden because you are ignoring this member. Show Quote

He might be Chinese.

Edit - nope. If he was Chinese both mom and dad would’ve kicked his ass.

Lack of feather duster in that story is the give away.

[shakalaka]

This quote is hidden because you are ignoring this member. Show Quote

TL;DR: we've been funding the @shakalaka car swap program all along for our own entertainment.

Haha I wish. Like I said, my PI practice is just about taking off now and prior to this was other areas and I never really got to do too much with PI. If I had about 10-15 years in the old pre-cap PI regime, man I'd be retiring right now. Haha.

[bigboom]

If he was chinese, both would have gotten beat first for causing the disturbance and then once the parents figured out who actually started it they then get an extra beating.

[max_boost]

If Chinese. Why the fk you crash in the first place lol why you no avoid son??

Also, are payouts generally much lower for injuries? Easier to settle? More difficult to settle?

[Masked Bandit]

This quote is hidden because you are ignoring this member. Show Quote

tough upbringing?

Meh, we deserved everything we got.

This quote is hidden because you are ignoring this member. Show Quote

He might be Chinese.

Edit - nope. If he was Chinese both mom and dad would’ve kicked his ass.

This quote is hidden because you are ignoring this member. Show Quote

Lack of feather duster in that story is the give away.

This quote is hidden because you are ignoring this member. Show Quote

If he was chinese, both would have gotten beat first for causing the disturbance and then once the parents figured out who actually started it they then get an extra beating.

No Chinese, but by the time I was 10 I was bigger than my mother and frankly my brother & I were assholes so she would just give us the "you can deal with your father when he gets home", that's when we knew we were REALLY in shit! No feather duster for us, it was wooden spoon until Mom broke a couple of them and got sick of buying them

[AndyL]

This quote is hidden because you are ignoring this member. Show Quote

No feather duster for us, it was wooden spoon until Mom broke a couple of them and got sick of buying them

Gah, then ikea opened and the moms found those white plastic ones.

Took a solid year before I learned the right time clench snapped them every time

[firebane]

This quote is hidden because you are ignoring this member. Show Quote

Gah, then ikea opened and the moms found those white plastic ones.

Took a solid year before I learned the right time clench snapped them every time

we had the wooden ones till my mom realized she broke too many then went to plastic.. yeah we smartened up a lot faster.

[killramos]

Let’s put it this way, if both products were offered which would you prefer?

Cheaper, no fault insurance with no injury lottery.

Or more expensive insurance where maybe you can sue your way into Aspen?

I know which one I would pick.

[Xtrema]

This quote is hidden because you are ignoring this member. Show Quote

Let’s put it this way, if both products were offered which would you prefer?

Cheaper, no fault insurance with no injury lottery.

Or more expensive insurance where maybe you can sue your way into Aspen?

I know which one I would pick.

You get no lottery and insurance premium keep going up. Have to sell Aspen home.