Posted by GP, Thu Jul 2 2015 at 9:24 pm
Anyone dealt with an accident in QC while an ON resident?
I have been doing some searching and am trying to find people/resources that can help me navigate the mess that is the QC/ON insurance process. Has anyone dealt with recovering costs from an accident in QC as an ON residence? Or know of some good resources that can help navigate the process? (Insurance companies are not being much help and giving a lot of language to cover their own butts.)
In May I was biking home from work in Quebec and got totally cleaned out by a truck that turned without looking (he was found 100% at fault for failing to yield the right of way).
The SAAQ (Insurance #1) essentially said to deal with my ON insurance company (and weirdly said they would have covered the bike helmet but that the bike was an "accessory"). My car insurance (Insurance #2) said they would cover the additional medical above what my personal health insurance (insurance #3) wouldn't cover. The house insurance (Insurance #4) would have to be used for clothing, glasses, bike, etc.
The $500 home insurance deductible is a hard pill to swallow since it would be a claim against my own home insurance and I would get maybe $1000 which leaves me suing the driver for the bike (but clothing and glasses are, to my research so far, covered under the SAAQ which I have been told I can't use... which means I can't recover those through the courts.)
It also leaves me with little room to the on-going damage to my back, foot, leg, knees, etc.
Thanks in advance to anyone that can help and/or point me in the right direction!
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