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Discussion Starter · #1 ·
Today I got into my first accident ever (well, one that was of my fault).
I was driving down the streets of Montréal (downhill the centreville) and at a stop, I used the brakes but I slide because black ice and hit a car infront of me. The grille was broken and the bumper has a crack into it too. I called the insurance and lets see what's gonna cost me. I can drive the car, I even test it for DCFC charging, all looks good. I wasn't speeding, about 30 km/h before braking but... this is how it looks now.
Automotive parking light Car Grille Vehicle Automotive lighting
 

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Sorry you had to deal with the hassles, but our Bolt was damaged almost to that degree by a hit-and-run careless parker.

I checked and the plastic fascia panel is expensive and a PITA to replace. I generally defend GM and the Bolt, but designing a front bumper with a piece of fragile plastic as the first point of contact is just wrong!!

jack vines
 

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2022 Bolt EUV Premier w/ Sun n Sound
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Sorry to hear about that but, it isn't too bad....and nobody is hurt which is the main thing.
 

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Sorry you had to deal with the hassles, but our Bolt was damaged almost to that degree by a hit-and-run careless parker.

I checked and the plastic fascia panel is expensive and a PITA to replace. I generally defend GM and the Bolt, but designing a front bumper with a piece of fragile plastic as the first point of contact is just wrong!!

jack vines
That's the issue....we don't have bumpers anymore and the fascia is designed such that you can't touch it without damaging it.
We had a Fusion PHEV (beautiful car) that got written off as the result of a seemingly minor collision in the same manor as this one. I figured a fascia, hood and two fenders and we would be good to go...then I went shopping for the EUV.....
 

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Discussion Starter · #7 ·
Sorry you had to deal with the hassles, but our Bolt was damaged almost to that degree by a hit-and-run careless parker.

I checked and the plastic fascia panel is expensive and a PITA to replace. I generally defend GM and the Bolt, but designing a front bumper with a piece of fragile plastic as the first point of contact is just wrong!!

jack vines
Thank you… I also checked and yes, it is expensive. The bumper too it’s about 500$ here and with the work I expect at least around 1.5k $
Hope is not more and it really wasn’t much of a hit (max 2-4 km/h) but …
 

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Discussion Starter · #8 ·
Sorry to hear about that but, it isn't too bad....and nobody is hurt which is the main thing.
Thank you ! Yes, that’s the most important thing: nobody’s hurt !
 

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Make sure the driver you hit don't try to pull the back and neck thing. I slid under a old beat up car with my 2006 C6 Vette and that woman sure tried to play a game.
 

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Today I got into my first accident ever (well, one that was of my fault).
I was driving down the streets of Montréal (downhill the centreville) and at a stop, I used the brakes but I slide because black ice and hit a car infront of me. The grille was broken and the bumper has a crack into it too. I called the insurance and lets see what's gonna cost me. I can drive the car, I even test it for DCFC charging, all looks good. I wasn't speeding, about 30 km/h before braking but... this is how it looks now.
With -25 C this morning in Montreal, it was easy to slide almost anywhere.
Sorry for your car... At least, no harm to you.
 

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Canada has no-fault insurance, right? How does that work, and what is the deductible?

Curious what tires you are running?

Last month I did hundreds of miles on snow and ice in Montana (not in a Bolt), sometimes at speeds up to 75 MPH.
 

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Canada has no-fault insurance, right? How does that work, and what is the deductible?

Curious what tires you are running?

Last month I did hundreds of miles on snow and ice in Montana (not in a Bolt), sometimes at speeds up to 75 MPH.
Most No Fault laws pertain to just medical costs.

Lawsuits over property damage are rare and difficult to get more than actual value, so companies just settle that based on % of fault. But med can get dicey so NF assumes everyone collects from their own insurance up to a monetary or verbal threshold before they can try to sue. Basically just keep the little claims out of court.

At least that is how it was in my insurance underwriting days. Knowing consumer and trial lawyer trends, who knows what goes these days.
 

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Canada has no-fault insurance, right? How does that work, and what is the deductible?
Well, Canada is a big place, specifically Newfoundland, Nova Scotia, New Brunswick, Prince Edward Island, Ontario, Quebec, and Alberta all use a no-fault insurance system. So most but not all of the country is on a no fault system.
Deductible is up to the policy holder and depends on how much premium you are comfortable paying and how much risk you can afford. You can have anywhere from a zero deductible which is the most expensive type of policy up to several thousand. You get to a point of diminishing returns however.
Most jurisdictions also allow the policy purchaser to pick a total for liability coverage. In Ontario, every vehicle must carry a minimum of $200K liability coverage although, in reality, $1 million is generally standard. This mandatory level of coverage greatly reduces litigation and makes sure everyone is looked after should something happen. A very large mishap that exceeds the 1 million would then have to go the route of litigation. I'm not an insurance specialist by any means but that is it in a nutshell.
 
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Personally, I'd just leave it and let the car develop a nice patina. I've got a '61 F-250 with a fabulous patina. Other drivers give me lots of space when I drive it downtown.
 

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Remember in 1973 when bumpers had to be within a standard hight and withstand a 5mph hit without damage?

Oh the good old days :)
1973? It was into the 2000s when manufacturers stopped making real bumpers in favor of overpriced painted plastic facias with minimal ability to absorb impact of any kind. I miss the 1980s cars where minor collision repair consisted of yanking the bumper back into position with a chain.
 
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