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When To Report a Car Accident, When Not To and The Consequences

June 12, 2009

When do you report an accident, when don’t you, and what are the consequences? Below are some valuable guidelines to know about.

Reporting an accident under $1,000

Police Reporting: You are not required to report an accident to the police if the total damage is under $1,000. This $1,000 limit includes the damage of both vehicles. The exceptions are that you must report all accidents where anyone has sustained an injury, no matter how minor or where there has been damage done to property, such as telephone poles, guard rails or personal property including someone’s lawn.

Insurance Company Reporting: Your insurance policy states that you are required to report all accidents, regardless of the amount of damage. Even if you pay for the accident yourself, and you are either at-fault or partially at-fault, the accident will count against you. Insurance companies base their rates on "risk" regardless of who pays for the accident. In practice, however, all bets are off. Most people today report accidents where they want the insurance company to pay for the damages. The wild card is always with the other driver reporting injuries or damage to their insurance company.

Beware:There is always a risk that the police can charge you with leaving the scene, if the other driver reports the accident. If you let the police know of the accident you can not be charged with leaving the scene. Which is a serious conviction, that could leave your insurance rates skyrocketing. Don’t worry, the police won’t automatically contact your insurance company.

Reporting an accident over $1,000

Police Reporting: By law, you are required to report an accident if the damage is over $1,000. In other words, if one vehicle had $500 damage and the other vehicle had $501 damage you are required to report it to the police or a Collision Reporting Centre.

Insurance Company Reporting:If you don’t report it, and the other driver does, their insurance company will contact your insurance company, so your own insurance company will find out about it. Regardless if you were at-fault or not at fault and didn’t report the accident to your insurance company they "could" cancel your policy or not renew your policy. If you are not at-fault it will not count against you and your insurance rate will not increase.

What about collisions that occur on private property, like parking lots?

If you have an accident on private property, then police do not come to the scene unless there are injuries or property damage. These accidents are considered by insurance companies to be 50/50, meaning each driver is considered to be 50% at fault. In this case, you might want to consider sharing payment of the damages.

Do the driver’s covered under my insurance policy, who have accidents, effect my rate?

Drivers, who are covered under your insurance policy, if they have an accident, and they are at-fault or partially at-fault, will cause your rate to increase. If they go off your policy, their accident stays on your insurance claims history for 6 years.

When does your insurance company find out about accidents?

Your insurance company could find out about your accident, by another driver reporting the accident to their insurance company. If the accident was reported to a Collision Reporting Centre, they automatically advise your insurance company, but you can request them NOT to report it, and they won’t. If a Police Report has been done then either driver can request a copy of the report at no cost and can use the report to file a claim with their insurance company. The police do NOT send out these reports automatically to your insurance company.   

  • Mike

    Do I have report an accident that only involved my own car and a fence which was not damaged. However my car is totaled?

  • Nick – InsuranceHotline.com

    Hello Mike,

    If your car is a total loss, the insurance company will definitely need to know.

  • Kerrie

    The collision centre is closed on sunday and monday is a holiday is it ok to report on tuesday?
    i have already called the insurance company.

  • Arnold

    In an accident, how many days a driver have to report it to the police or collision center?

  • Dana

    I had an accident in a parking lot which was covered in ice, is the landlord liable at all? Over $3000 damage to two vehicles

  • Bhupi

    I got accident at my work on my Compny 5ton truck.it was nu fault and truck was under company insurance.i am not company went to insurance ir no but i didn’t report to police.This accident ‘ll effect my insurance history.

  • Nick – InsuranceHotline.com

    Hello Dana,

    The driver who is found at-fault is typically responsible. You should check with your insurance company for full details.

  • Nick – InsuranceHotline.com

    Hi Arnold,

    Check for damages on the vehicles involved in the collisions. If any vehicle has sustained damage of over $1000, the collision must be reported within 24 hours. This should be done at the collision reporting centre nearest to the site of the car accident.

    http://www.collision-reporting-centre.com/

  • Nick – InsuranceHotline.com

    Hello Kerrie,

    Yes, you should be OK if it was closed Sunday/Monday. Here is the website: http://www.collision-reporting-centre.com/

  • Kathryn

    what if there was no damage to either car but the other person brought there car into a reporting centre. Do I still have to report anything

  • Nancy

    What happens if an accident isn’t reported for several days?

  • InsuranceHotline

    Hi Nancy,

    Can you please provide us with more detail around the car accident? There are many factors to consider.

    Typically, a hit and run accident not reported to the police within 24 hours, you could be considered at-fault for this accident.

    Let us know the details and we’ll see if we can help you out.

    Thanks!

  • Joseph

    What can happen if an injury is reported by the other driver (accident under $1000) to their insurance company, despite private arrangements to settle the slight damage? (no police report)

  • noelle

    If you are in a parking lot and parked vertically & another vehicle parks horizontally but you are able to wiggle yourself out after 2 hours in the snow but there is no damage and 3 months later the owners of the vehicle come up to you and say there’s damage and they wrote down your license plate number who is at fault? Should I have to pay for damages that I did not create?

  • mikeIH

    Noelle – most parking lot accidents are deemed 50/50 at fault unfortunately, as they are considered private grounds. Better speak to your broker/insurance provider for more details.

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello Joseph,

    Once the accident is reported, your insurance company will likely find out, so it is best to contact your broker/agent immediately to notify them.

    I hope this helps.

  • JOhn

    for an accident that happened 2 weeks ago, minimal to no damage on either car we swapped info but accepted t as a lucky day and left, how long after can you report damages unnoticed?

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello John,

    You have a year from the date of loss to make a claim. That said, establishing how and when the damage was caused may be difficult, if not impossible in some situations. As such, coverage may be denied by the adjuster if it they can not establish how and when damage occurred.

  • adam

    Hi if my bike was stolen and then recovered . But only have third party cover do I have to report it to the insurance?

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello,

    You should really report all incidents to your insurance company. IF someone had an accident while driving that vehicle, you could be liable because you own the vehicle.

  • Douglas

    I recently got in a minor accident when a car stopped short and my licence plate put a small indentation in the bumper of the car in front of me. We decided not to call the police and not go through insurance. We exchanged information.
    He received an estimate a week later. Can he or myself still file an insurance claim? Does he reserve the right to get the police involved to repair the damages?

  • stef

    Wha if I was driving someone else’s car. I was driving his car and it rolled. do I needto callmy insurance?

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello Douglas,

    Yes, either party may still report the incident. If one party makes a claim, it is likely that the other party’s insurance company will be notified.

    I hope this helps.

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello Stef,

    Typically when someone lends their vehicle to another licenced driver, they also in essence lend their collision insurnace. So a collision occuring would typically go through the owner of the vehicles insurance policy. If there was any liability, it may go through your own policy (the drivers policy). It is best to speak to your insurance professional to get the details sorted out.

  • Claire

    Hello,
    Was in a MINOR fender bender on Friday. The car in front of me had a green light, started to move then slammed her breaks on. I had some time to stop but did TOUCH her bumper. We pulled over and She and I both looked and saw NO damage. She even said there was NOTHING there. I took her info anyways and gave her mine.
    the police were not called, insurance companies were not called. I had a friend in the car as a witness of statements and how light the bump was
    A day later her byfriend called to say the bumper was BROKEN! There is no damage to my car at all, and the night of there was no damage. The boyfriend told me he wanted $630 cash to fix it, and also said he got a quote from a body shop in town. I called the body shop to see if the bumper was in fact broken, as I found this story VERY hard to beleive and the owner told me it was NOT broken but there were some superficial scratches.
    I am now doubtfull that my car or this TINY bump created these scratches and if im just getting taken for a ride.
    Do I have to pay for these damages that i may or may not have made on this car???
    Im tossing around the idea of offering half, in case my car may have made some damage, but im even doubting that too.
    Thanks!

  • john

    do you have to report if the car isn’t worth a 1000 dollars

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello John,

    Technically, you should always report any collision. Depending on the circumstance, another driver could report it to their insurance company and likely your company will be notified.

  • Melanie

    I have a question. I had an accident in a private parking lots in Ontario. I just sold the car so I didn’t have insurance and moving it from my parking space to another in the same parking lots. I hit the vehicle beside me. Now this car insurance ask for a huge amount for insurance claim to me as I didn’t have car insurance at the moment. In Ontario its 50/50 responsibility. The amount asked by his insurance company is more then the value of his car. Should I pay only half? What should I do?

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello,

    You should be seeking legal counsel for this situation as driving without insurance is illegal and you will need to be represented appropriately.

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello Claire,

    This could be a tricky situation for you, you are probably best to discuss it with your insurance professional. Ask if you have ‘accident forgiveness coverage’.
    If you are in Ontario, the other driver should be going through their own insurance company to have the damage paid for.
    There is no guarantee that if you pay for the repair, that the other driver will not go to their insurance company anyway.

  • Jessica

    Hello,
    Earlier this afternoon I was in the outer left lane turning onto the cross street by my house. I started my turn on yellow and before I was finished it was red. As I was continuing, I noticed a car going straight in the opposite direction, before his/her light had turned green. I arrived home within a few minutes and a second car had followed me to my house and informed me that the first car had swerved around me as he was driving and ended up hitting a curb and “stalling” out. That driver told me that he had my license plate number and that he was an off duty patrolman who was advising me to go back as I, in his opinion, caused an “accident.” He drove off, stating that he was going to head back to where the other car was apparently stalled, and I followed shortly after to avoid having my license plate/car reported for fleeing a scene. When I arrived, neither the “stalled” car, nor the guy who followed me home were there. I circled the area twice, saw no one and noticed no skid marks or damage to the curb. What should I do?

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello Jessica,

    Since you didn’t actually collide with anyone and you seem nervous about this situation, you could go to your local police station and notify them that someone impersonating a police officer followed you and let them know the situation.

  • anne

    I hit a man’s car with the back right side of m car on his back left side, scratching his gas tank door a little, I stopped my car and tried not to freak out (first accident, 17 yr old driver) I showed remorse as best I could without being preoccupied with myself and handed the man my license I agreed to pay any damages as soon as he knew how much it would cost for repairs.. I gave him my phone number and he wrote doown my information… What do I do now? I just wait for him to call me so I can pay? will it end there? I hope not to implicate my parents so as to not give them a hard time please tell me what I should do next, or if I did well ? D:

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello Anne,

    Typically if one driver reports the accident to his insurer, the other drivers insurer will be notified. I’m not sure if the other driver agreed not to go through insurance or not… I would suggest speaking with him. Typically, the driver who hits from behind is at fault. I would suggest you take a look through the IBC’s (Insurance Bureau of Canada) fault determination rules as this is what the claims adjusters will use as a guideline when conducting an investigation of fault for accidents. You can find out from your parents broker/your broker what your policy coverage details are. Sometimes there is an “accident forgiveness” endorsement added to coverage. If this is the case for your policy, your first accident will not increase your rate.

    I hope this helps.

  • Dara

    Hi, my question is if someone accuse you of scratching their car while backing out of a parking spot and you know you did not hit it but they called the cops; and now it’s a he said – she said issue; and it was reported to the police but they issued a non-reportable report. Does the insurance company have to be notifiied. There is a scratch on this persons car and they were trying to say it was me….and it wasn’t. BTW, looking at the scratch it could be rubbed out with a cloth. I don’t know if this person needed a scapegoat when telling their dad that the BMW had a scratch on it. I don’t think this person will even pick up the report from the police station. I think they really just needed a reason to tell their dad there was a scratch on his car.

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello Dara,

    This depends on what province you are in?

  • Cathy

    I hit a parked car in a parkinglot and we agreed to pay out of pocet, but I cant afford it. Should I report it to my insurance?

  • miche

    Had a minor accident.. was making a lane change right and had my blinker on and was all clear as I slowly switched over a car came speeding up and we collided causing a small tend to the door and a broken mirror, they took only my first name and number and I agreed to cover damages as she was a much older lady.. even though she admitted she sped up to pass me. They got an estimate of 1200 which is impossible, the car is worth probably 1000 itself! Were worried they may claim but is a claim worth it in this case? And she didn’t even take my licence plate or last name? We still want to cover her costs but don’t want to be screwed here… need advice thanks !

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello Cathy,

    Typically the driver in the moving vehicle is considered at fault. If you go through your insurance company this is likely what they will say. You can speak to your insurance professional or claims adjuster. Ask if you have accident forgiveness on your policy… this may allow you to avoid a rate increase on your first accident.

  • Guest

    very informative article no doubt

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello

    You will have to decide for yourself whether or not you want to pay for the damage but keep in mind that even though you may pay for the damage, there is no guarantee that the other driver will not make a claim anyway.

  • Greg

    I slid in a pole last night in the rain and was able to drive home… looking at my truck in the morning it looks like more damage than what I had originally thought. Will my insurance cover this?

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello Greg,

    You should call your insurance professional (broker/agent) and find out what your coverage is for your specific policy. Depending on your history and your policy, you may have an endorsement called accident forgiveness which will cover your first accident without increasing your rate. Each company is different, its best to speak to your insurance professional.

  • Habsfan4life

    Why would someone take their vehicle to a reporting centre if there was no damage? Makes no sense….

  • khyber

    I was involved in a minor accident where I hit someone in the back while we were waiting at a red light. I released my foot off the gas by accident and so it caused me to hit him in the rear bumper. However, there was a scratch about 2 centimeters long on his rear bumper. So we exchanged information and everything. So now my question is do we both go to the collision center or just one of us?

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello Khyber,

    You would each need to go and fill out a report at the collision centre.

  • jatinder singh

    hey; i parked my car on street parking in downtown and came back from work it hd a big scratch on bumper and it came out from driver side , but this was my first time i didnt know wat to do its been almost more than a week past since this happened. i got a estimate of 2600$ from the body shop recommend by insurance company. wat should i do now cauze i came to know u should report a accident in 24 hours to get a police report?

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello Jatinder,

    If you did not report it to the police, your insurance company may find you at fault.

  • Jawal

    Actually, 2 questions:
    1. Who determines the estimate for the damage in an accident? If it can be fixed for $500, but some body shop counts it >$1000, should this accident be reported to the police?
    2. In a “typical” front-to-rear hit accident due to a stop short, will police issue a ticket to the “rear” driver upon reporting to collision center? No speeding, just did not break as good as the front car…

    Thanks for your help here!

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello Jawal,

    1. The estimates for damage are typically done through a body shop. If the damage is greater than $1000 or bodily injury needs to be reported to the police and under $1000 you only have to go to the local collision reporting centre.
    2. Typically, the driver who hits from behind is considered at fault.

    I hope this helps!

  • Syd

    Hi,

    I was in a minor accident in Ontario. I hit a car from behind. We exchanged info.

    We both checked each others car and saw NO damage of any kind and
    certainly no personal injuries. He said he will call me if there is
    something next day. No police report was made and no witnesses. Its
    been 5 days and he hasnt called.

    Assuming he doesnt call in the next few days,
    should I talk to my Insurance Agent anyway, even if he or me dont make a claim?

    Will reporting to insurance company without making a claim increase my premiums?

    What if he calls and asks to settle privately, or I hear from only after
    many months or later claiming other damages like personal injury?

    Should I call my insurance agent anyway to be on the safe side, yet risking higher premiums?

    Is there a time limit for accidents by which I have to inform my
    agent or police in Ontario, else they may not honor the claim?

    Thanks

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello Syd,

    It is up to you whether or not you want to speak to your insurance professional. If the other driver does make a claim, it is likely that your insurance company will find out anyway. Your broker should be able to advise you. Depending on what the damages are, you may just want to settle outside of insurance.

  • Nick

    I was in an accident in my driveway, where someone was pulling in and side swiped my quarter panel and scratched my front bumper. I was in the vehicle but it was not started and it was stationary. What should I do?

  • Rush

    Hi,
    I rare hit someone in the 1st week of July 2013 in Toronto Canada. After inspecting both of our cars and since there was no damage to any car, we just shared our phone numbers and nothing else. We didn’t exchange insurance, address or license information and left. No report was filled.
    Now after almost 2 months, this guys is calling me asking me to pay him 1500 for the rare bumper so that he can change it.
    I am worried and not picking his call, since there was no damage and he is just putting it on me. He is threatening me by going to police.
    Can you tell me if by law I have to pay him anything or not. Should I be worried about any police report or anything else.
    Please help. Thanks

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello Nick,

    Typically, in this situation, the driver in the moving vehicle is considered at fault. Take a look through the IBC’s fault determination rules if you like here: http://www.ibc.ca/en/car_insurance/documents/brochure/on-fault-determination-rules.pdf you can also speak to your claims adjuster as they will be the ones determining fault.

    I hope this helps!

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello Rush,

    I would recommend that you go to a collision reporting centre to give your version of what happened

  • Greg

    hi. i backed into a parked car that was on the road, right behind my driveway. it happened on a wednesday. I didnt expect the damages to be more than 800. i gave my info and said i’d pay it out of pocket as the damage was minimal. looking back, it would have been smart to take pictures. a long weekend happened and i hadn’t heard from them until the tuesday, where the first quote is about 1900. I’m going to call my insurance company tomorrow to notify them of the accident. am i going to get reemed out for waiting so long? how much more do you see my insurance going up? I’ve been driving 10 years and 3 years with the current insurance provider, no accidents or tickets.

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello Greg,

    You would be best to speak to your insurance provider. Often times an endorsement is added to a policy called accident forgiveness… if you have this with your current provider and have been claims free, you might be saved a rate increase. Each insurance company is different and each policy is different. Talk to your broker/agent to clarify what your policy details are and what effect this accident might have on you.

  • Tom

    I was involved in a parking lot incident when I had parked my car and exited(my car parked and switched off on a legal parking space), someone came and hit me. He promised full compensation if settled outside insurance, but after a day changed word and now offering lesser than 1/2 of the quote for my car. I feel pissed off since I was not at fault but still need to spend money to repair. Shall I report this to insurance? Will they rule the 50/50 by default and I be at fault?

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello Tom,

    You can speak to your insurance broker or claims adjuster. Typically, the driver of the moving vehicle is at fault. I hope this helps your decision.

  • Al Fleming

    I do see the insurance forgiveness in my policy. Is it safe to talk to insurance broker about minor accident and accident forgiveness? What if they report it to the insurance company. Are the premiums actually protected from increase on 1st accident? Does it affect upon renewal or company change?

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello Al,

    .Typically, accident forgiveness means that you would be protected from an increase if you were involved in your first accident. Talk to your broker and they can explain it to you. It will still be reported regardless, however, if you stay with your current provider, your rate should not increase. If you are involved in another accident, that will likely increase your rate.

  • loric

    A driver backed into me in a parking lot. I followed him into the parking lot from the main street. He was driving down the aisle looking for a parking spot and braked suddenly when he noticed an empty spot to his left. When he stopped, I stopped. He put on his reserve lights to back up as he was too far ahead and couldn’t drive in from his position. When I saw his reverse lights come on, I placed my car in reverse to back out of his way, but before I could move, he didn’t check his mirrors, stepped on the gas and backed into me. I was not moving at the time of the collision. I had no time to move. How does insurance determine fault? Is it still 50/50 because we are in a parking lot, or does it make a difference that I was not moving – my speed was 0 at the time?

  • Nancy

    I was involved in car accident about a month ago.I was parked in a friends driveway when a man came out of another driveway and hit me ..he wanted to pay out of pocket for the damage told me to get an estimate,,the estimate was 1,400 and he agreed.The car was fixed ,now nobody can get a hold of him.i do have his plate no#and name and phone no#.,nothing was reported.what are my options…..nancy

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello Ioric,

    Typically, the driver in the moving vehicle is considered at fault, however, your claimjs adjuster will be the one determining fault so you can check with them to see what the details are of the investigation.

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello,

    What you choose to do is a personal choice. You may choose to go to a collision reporting centre to report the accident. You can file a police report, contact your insurance company… whatever you choose to do. Depending on whether or not you had any witnesses, perhaps they could be of assistance?

  • Phil

    I was in an accident about 4 months ago we did not exchange insurance info but just swapped licience and phone info, he is now coming up to me with quotes for his car even though it was not reported, do I still need to pay it? What will happen if I don’t?

  • Jovs

    I hit a car from behind causing minimal damage to her rear bumper. The estimate is for about $400 but she is asking me for $1000 for personal expenses due to the accident. My question is, if she hasn’t reported it to the police after 48 hours and I pay for the damage to her car but not the extra, can she still report the collision to the police?

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello Phil,

    What you choose to do is a personal choice. If the other driver does make an insurance claim, it is likely that your company will be notified.

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello Jovs,

    This is a question you should be directing to your local police department.

  • Shannon Hall

    Hello, a few weeks ago my boyfriend was driving my van, and got sideswiped by a car trying to get over in the other lane, and somehow missed my big red van. They exchanged numbers, and her insurance info, and now she won’t return our phone calls or texts. We do have her address as well so we can go there, but the only problem is my registration had just expired, and I believe my insurance had as well. Is she still responsible and have to pay for the damages, or am I screwed because of the registration being out of date?

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hi Shannon,

    Not having insurance is illegal – worse than no registration… I cannot advise you on how to proceed on this matter.

  • Nana

    I met with an accident last week where my car skid and came to contact with another resulting some minor fender bender, we agree to settle this outside of the insurance and swapped phone numbers but his phone number seems to be wrong and he never call me. I have his insurance details though. Is there anyway I can contact his insurance to seek if the matter can be solved privately? Worried about insurance rate hike if he goes to insurance.

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello Nana,

    It is likely that if you contact the insurance company that a claim could be reported. You could report the accident to your local collision reporting centre if you choose. This is a personal decision and I cannot advise you.

  • aquitania

    If you give a person permission to drive your car is he insured under your policy?

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello Aquitania,

    A general rule of thumb is that when you lend your vehicle to another fully licensed driver, you are in a sense lending them your insurance policy. So typically, yes, when you give another driver permission to driver your car, it is your policy that is effective.

  • aquitania

    If an oncoming vehicle in the wrong lane hits you ( he was approaching a designated lane for turning but decided to get a head start before the lane was available) who is at fault or how would the insurance company process this collision. No one was charged at the seen.

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello Aquitania,

    You should speak directly with your claims adjuster as they will be the ones determining fault. You can also take a look at the Insurance Bureau of Canada’s fault determination rules here: http://www.ibc.ca/en/car_insurance/documents/brochure/on-fault-determination-rules.pdf

  • Emily Heim

    Hi there, I was backed into my friends car a few months ago. We decided not to go through insurance and I paid for the damage on her car. I left mine because I could not afford to at the time. This week, another driver rear ended my car and I filed a police report and decided to go through insurance. Now I’m wondering what happens with the damage previously done to my car by me backing in to my friends car? There’s damage on the bumper from that AND the new accident. What do I tell my insurance company happened? I absolutely can’t afford my insurance going up but I would like the damage that wasn’t my fault fixed?

  • Mom

    Hello My daughters car was hit by an uninsured driver .While parked on private property . she was not in the car and has insurance . now the other driver is unresponsive to our phone calls. His car had the most damage but her car had some damage what the best way to handle this.

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello Mom,

    I would suggest speaking to your local police department as well as your broker/agent and claims adjuster as to what the best way to go about this is. Without having all the details, they will be best equip to help you.

  • NeutralObserver88

    My vehicle was parked legally in the parking lot where I Iive. Then a girl moving into my building hit it with a truck causing damage to it.

    I was in my apartment at the time this occurred.
    My neighbor saw the whole thing happen while sitting in his truck in his driveway. He honked his horn at them & told them they had better report it to the building
    manager.
    That’s when the driver (the girl moving in) went to the front office & asked the landlord whose vehicle it was that she had hit.
    She then came to my door & told me that her friend had hit my vehicle with her truck. (Lie right there as she was driving)

    I went outside & surveyed the damage & they said that they wanted to pay out of pocket.
    I said fine & went and got 3 estimates. And they said they would be in
    touch.
    I figured it would be around $1000 to $1500.00 to fix. Turns out the
    lowest estimate was $2500.00. So then I reported it to police within the 24 hrs.
    The police officer that I reported it to got on the phone & called them to
    verify the details & he got the true story out of them. That my neighbor was
    driving, not the truck owner.

    Two days later I hadn’t heard from them so I went to my neighbors door. She was pissed that I had gone to the police but I told her I was covering myself in this. She
    then admitted that SHE was driving, not her friend. And that she had no money so
    they decided to go through insurance.

    Ends up we have the same insurance company. I told my broker & they gave me an adjuster to phone. I called him & he said that because it was the other parties fault, I was given a different adjuster.

    I finally got a hold of the other adjuster & gave
    her all the proper paperwork, police report etc. But then she emailed me back
    & said that there was nothing she could do until she talked to the driver.

    This was a month ago & obviously the girl that hit me is trying to
    hide hoping this will fade away. I haven’t seen her around the building but she
    still lives here as I asked the manager.

    This girl is a LIAR & manipulator & is trying to get out of this.. This would have been a hit & run if my neighbor hadn’t seen them do it.

    So what’s my next step? HELP?

  • Snarktacular

    If I was in my husband’s truck and backed into our neighbour’s vehicle, whose insurance is affected? We are on each other’s insurance policies with 2 separate companies. He has collision on his truck but I don’t have collision on my car. He has had several tickets and accidents in a 2 year span. I have one ticket and one accident from 2007 on my record. The damage to the neighbour’s vehicle may or may not be over $1,000. We saw they reported it (there’s a sticker near the damage) but they do not have either of our insurance info yet. We’d like to avoid going through insurance and are concerned about whose insurance & rates will be affected. Any ideas?

  • kyle

    i rear ended someone on sunday and they waited until today which is wednesday to get a quote for repairs the police were not contactes at the time of the accident they want me to pay cash for repairs is there a time limit for a accudent to be reported? is there anyway for me to get out of it?

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello Snarktacular,

    I’m sorry, but a hypothetical question such as this might be best discussed with your broker directly.

    If you would like to review the fault determination rules you can do so here:
    http://www.ibc.ca/en/car_insurance/documents/brochure/on-fault-determination-rules.pdf

  • Greg

    About a month ago I was rear ended by a benz it was a young girl the accident was pretty bad on her end as her benz was pretty smashed mine jus had a little bump. After the police officer wrote the accident report I spoke to her and she agreed to just pay me in cash.
    I went ahead got my car fixed cost me 1500 after I called her to pay me back she refuses to pick up my call or even pay?
    What can I do, can I still file a claim thru insurance since I got it fixed already
    Any help will be highly appreciated

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hi Greg,

    You should be fine to file a claim. Talk to your insurance professional (broker/agent). Typically you have up to two years to file a claim.

  • Angel Kover

    because people are after money. I am going through the same thing right now

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello Johnny,

    You can always visit your local collision reporting centre at any time to report an accident after the fact, or you could wait for her to contact you… I’m sorry, I cannot advise you what to do here as this is your personal choice to make.

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello Angel,

    In situations like this, you are best to speak directly to your claims adjuster as they will be the ones determining fault. Your insurance professional (broker/agent) can help you out with your questions regarding claims as well.

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello hector,

    Typically the driver of the moving vehicle is considered at fault, so you should be able to submit a claim and pursue this. Driving without insurance is illegal and that would be an issue for the police as well. Give your insurance professional a call to discuss how to proceed.

  • Joseph Saban

    Hello my wife was making a turn where her and a pedestrian both had the right of way. She struck the pedestrian and she fell to the ground. There was no damage at all to my car. The police came and took a report. The ambulance also came, the lady was walking and appeared to be ok. The cops asked her if she was hurt , she said her leg a little. They took her to the hospital and that’s it. My question is do I need to contact my insurance company?

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello Joseph

    Yes, you should report this to your insurance company.

    Thanks

  • frustrated mom

    Frustrated mom, My 15 yr old son with a hardship license was sitting in school parking lot which is private property. Another boy opened the door to our suv he was driving and threw a dead duck into his lap my son freaked out and removed his foot from brake an hit a lady backing out of parking space. . no police report was filed the school police officer was already gone but notified said no report needed to be made bc it was private property . . neither party involved wishes to file on our insurance due to rate increasage. . the other lady wants us to pay the 1,700 damage to her suv . . i have 3,800 damage to my suv which is to replace bumper and grill . . I feel the boy who threw the dead duck into our suv into my son’s lap is responsible and should pay both our damages. . what is the best way to handle this pay the lady damage then file in civil court to recoup my cost for my repair and her’s or let the insurance company handle both and my insurance rates increase dur to neglience on part of the boy who has admit he willfully by pulling the prank caused the damage . . Thanks Frustrated mom  

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello
    I am sorry to hear about the accident. This is something that you are best to discuss with your insurance company regarding who would be at fault in this case.

  • Oglivie

    A very minor fender bender. 10-15mph. Both drivers check their cars and they are fine. No information is exchanged and they wave goodbye. What if one change their mind? Is there a time frame? Coukd they do so with no informatin?

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello

    You can report the incident to a collision reporting center. If you have the other drivers licence plate number you can provide that you the police and your insurance company.
    Thank you

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello

    Between the increase for the accident and any other rate increases that the insurance company implemented it is possible that your rate would double. Check out insurancehotline.com to see if you can get a lower rate elsewhere.

    Thanks

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello

    That sounds odd. You can check into it further with the insurance company ombudsperson. You will be able to find that on the company website.

    Thanks

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello

    This is a tricky one. I would normally say, contact the policy but If you were driving without insurance you could face major penalties

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello

    It is likely that your insurance company will consider this an “at fault” loss if you do not have police report indicating that it was a hit and run.
    Thanks

  • z

    Hi so what happens when the 24 hrs pass and I haven’t reported to the collision center but am in contact with the other driver but that driver has went to the collision center?

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello

    Go to the collision center asap and let them know .
    Thanks

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello

    It is not too late to claim but you will be considered at fault for the loss and you might see a rate increase as a result.

    Thank you

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello

    You can follow up with the adjuster to see if any progress has been made. Ask the adjuster if you should proceed with the vehicle repairs and if you will have to pay a deductible.

    Thank you

  • Lisa Massey

    Hi my daughter hit a car ion a mall parking lot , and waited for the driver , she gave her hone number and 2weeks later the owner call and said the damage was over a $1000.00 and for her to pay up ,now her step dad has been a mechanic for over 30 yrs and wanted more than one estimate and also wanted him to fact the receipts over , the owner did neither and we tried to call a few times to resolve it and never returned our calls , now 2 months later he goes to the police , where does my daughter stand with the payment ? And do the police even care at this point ?

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello
    If the accident happened in Ontario the other driver will have gone to his own insurance company to have the vehicle repaired. They will likely contact your insurance company and there will be an at fault loss registered against your daughter. Check with your insurance professional to be sure.

    Thanks

  • Tam

    I accidently crumpled my back drivers door on my property. Our deductable is $1000 and the cost to fix it will be over 2-3000$ to fix. Is this worth going through insurance? I haven’t filed a claim in over 15 years, and that was for vandalism to my car.

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello

    That is a financial decision that you will have to make. You should discuss the options with your insurance professional. They will be able to help you make the right decision for you.

    Thank you

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello
    You should report the “hit and run” damage to the police. If you have collision coverage, your insurance company may pay to repair the damage but you will likely have to pay your collision deductible.

    Thank you

  • Ashley

    Earlier today I was backing out of a driveway and backed up into a car parked on the street and hit his car door. The damage was minimal (when looking very close you could see a shallow dent) but I felt awful and since I didn’t know who’s car it was I left a note with my contact information. I offered to pay outright for the damages, thinking it would just be a paintless dent removal which isn’t too expensive, however he got back to me saying he’s going to have to get his door replaced and a paint job, which I can assume is going to cost a lot more money then I have, so I said we’ll have to go through insurance and gave him all my insurance information. Do I need to contact my insurance company, or do I wait for him to make his claim and then they will contact me?

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello

    You are always best to let your insurance company know.

    Thank you

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello
    Anytime there is a collision both insurance companies should be advised.

    Thank you

  • Yanyan

    I got hit in my rear left side end of my car in the highway. Luckily it was just a side swept accident, but my car had a scratch lined all the way from the rear end to the rear door, damage was below a thousand so I didn’t report. The guy told me he’ll pay off. What should I do? Do I need to make a report to my insurance? I don’t want my insurance to go high plus it’s not my fault.

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello

    You are best to report the damage to a collision reporting center and your insurance company. If the accident is not your fault, your rates will not increase.

    Thank you

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello
    Collision reporting centers do not usually contact your insurance company.
    Thank you

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello
    In most provinces you must notify the police if the damage exceeds $1000.

    Thank you

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello

    It is quite likely that person B’s insurance company will get in contact with person A’s insurance company.

    Thank you

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello

    You should contact your insurance broker to see what their advice is to you as I don’t know the province you are speaking about.

    Thank you

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello

    Most of the time insurance companies report accidents to the central data base immediately. The accident could should up on your record the next day.

    Thank you

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello

    Yes, you may be liable since you rear-ended the other vehicle.

    Thank you

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello
    Regardless of what happened to cause you to hit the guardrail you will likely be found to be at fault for the damage to the guardrail. Your insurance company may have to pay to repair it.

    Thank you

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello

    I am sorry I misunderstood. Either way, you will be considered at fault for the damage to your vehicle.

    Thank you

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello

    I think there must be more to this. It is not a crime to report your accident to a collision reporting center.
    Thank you

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello

    If you reported the accident to your insurance company they may pay the $500.00.

    Thank you

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello

    You are best to check with your insurance company to see what their rules are.

    Thank you

  • Andi

    I have a problem that I need help. I just got into a car accident yesterday morning. He hit me from the back getting off the freeway right when I stoped at the stop sign. Ok my problem is we exchange insurance but me at the time was so nervous I didn’t know it was expired. For some reason he also gave me his registeratiom form from the dmv having his vin #, licsen plate, name and his address. I reported to my insurance lady and now we have nothing in the other party but just his dmv registration. What can I do next? Can I call the police after the accident ? My BMW is probably over 1000 of damages and now I have back pains..

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello

    Yes. You should report it to the police today.

    Thank you & good luck

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello

    Yes. Your father should report the accident to the police.

    Thank you

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello
    Contact the insurance company or your insurance professional to see if they can help you.

    Thank you

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello

    You can contact the ombudsperson who represents your insurance company. You can usually find their contact information on the company website. They may be able to help you.

    Thank you

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello

    You will have to discuss that with an adjuster who may call you. Each province and each insurance company may have different guidelines for that.

    Thank you

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello

    It depends on your province. In Alberta, is unlikely that you will see a premium increase in Ontario you might see an increase if your insurance company is notified.

    Thank you

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello

    Which province are you in?

    thank you

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello

    It is likely that since you rear ended the other driver that you will be at fault for the damage.
    Whether or not your licence will be suspended will depend on your driving record.

    Thanks

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello

    Since you rear ended the vehicle it is likely that it is your fault.
    You should report the accident as soon as possible.

    Thanks

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello

    The accident is likely your fault. If you want your insurance company to pay to repair your vehicle, you will have to pay any collision deductible and you may see an increase in your insurance premium.

    Thanks

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello

    Your friend’s insurance company should pay to repair any damage to your house.
    You should get his insurance information and contact the company.

    thank you

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello

    If you had given permission for your friend to drive your vehicle, you likely do not have coverage for the damage to your car if your friend was impaired.

    Thanks

  • DEEDEE

    I WAS IN YELLOW LINE COMING UPTO SIGNAL TO MAKE A LEFT TURN BEHIND OTHER VEHICLES ALSO MAKING LEFT TURN WHEN A CAR CAME OUT OF A DRIVEWAY TO MY FAR RIGHT HAND SIDE AND HIT ME. HE WAS TRYING TO CUT ACCROSS TO GO LEFT TO OPOSING TRAFFIC LANES. WHO IS AT FAULT HERE?

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello

    If you were stopped waiting to make your turn, the other driver might be at fault.

    Thanks

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello

    If your daughter was making a left hand turn then it is likely that she is at fault.

    Thank you

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello

    I was talking about Ontario Canada. I was told by a police officer that a collision reporting center does not contact the insurance company.

    You should double check with your city for your laws.

    Thanks

  • samantha1982

    Hi,

    I rear ended another car but there was no damage at all to either vehicles. We exchanged our contact information and insurance information. no police was called. Should i be reporting it to the insurance company in case she comes in for it after or tries to sue me ?

  • http://www.insurancehotline.com/ InsuranceHotline.com

    The rule is that you should notify your insurance company.
    It would likely be in your best interest as oftentimes an injury presents itself after the accident.

    Thank you

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello

    I am sorry but I don’t know. You should ask your insurance company what other type of proof will be acceptable to them.

    Thank you

  • rachel

    Received a call that my car was involved in a car accident. Car is driven by my daughter who at the time of the alleged accident was a work. Supposedly the car was being driven by a young male, not of my ethnicity. How do I respond to the insurance company?

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello

    You provide you insurance company with the details of where the car was at the time of the alleged loss.

    Is it possible that your daughter loaned the car to a friend?

    Thanks

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello

    Yes you can still report the incident to the police.

    Thanks

  • myviewpoint2

    What if you hit a deer and afterwards it runs back into the forest, does the 1000 damage reporting requirement still apply?

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello

    If the only damage was to your vehicle there is no need to report it to the police.

    Thank you

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello

    Since I don’t know where the accident occurred, I will answer based on most provinces in Canada.

    Your wife’s insurance rate should not increase as a result of her being rear ended.

    Thanks

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello

    Most of the time, the driver who is reversing is considered to be 100% at fault.

    Thank you

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello

    It is possible that even though you pay to repair her damage, that she still contact the police.

    Thank you

  • amber

    Hello. I rear-ended a driver yesterday when merging into a highway. The gas was not accelerated, just foot lifted off when I thought he merged, but didn’t at the last minute as I was trying to see past a truck to see if I could merge. When we pulled over, there were a few minor scratches on both vehicles, nothing major. The man stated he had a family emergency and when I offered him my phone number, his hands were shaking and he could barely write it down. He gave me his number while I gave him mine. No other information was exchanged. Afterwards, he took off in a hurry for his “family emergency” and nothing was reported that I know of to police. Should I be worried about anything I didn’t do that I should have done? I was honest and gave him my number, but still no phone call. Anything I should do now or just wait?

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello

    In Ontario you only have to report an accident to the police if there is bodily injury, the damage to both vehicles is over $1000 or you damage property.

    So it sounds like you are OK. If you don’t hear from him in a few days you can try giving him a call

    Good luck

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello

    You should visit a collision reporting center and then you can report that he hit you while you were parked.

    Thanks

  • ped

    I CALLED THEM AND THEY SAID WE CAN ONLY MAKE A REPORT BUT SINCE IT IS LESS THAN 1000$ NOTHING IS GONNA BE DONE ON THEIR END AND I GOT GO THROUGH INSURANCE…I HOPE THAT DOESN’T JACK UP MY INSURANCE

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Typically when you are hit while parked, there is no increase in your insurance rate.

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello

    Your option is to report the incident and let the insurance companies work it out.

    the risk is that you might see an increase in your rate as it will be considered an at fault loss.
    thanks

  • Jillian

    Hi, I recently hit a guard rail with my car. Being that my car was the only car involved do I need to file a police report ? And if so how long do I have to do so ?

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello

    In Ontario, you must report an accident if you damage property. so if the guardrail was damaged then you should report it.
    If you are not in Ontario, please check with your local law enforcement

    Thank you

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello

    If the other driver rear ended you, you can report it to your insurance company and provide them with the other driver’s information.
    If the other driver rear-ended you then they would be at fault-not you.

    Thank you

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello again.

    No you should not get a ticket for that.

    Thanks

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello

    I am sorry but I can’t answer that for you. Except to say that that would be a reason for your son to have contacted the police on his own after the accident. Then each party could give their story to the police.

    Thanks

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello

    It is difficult to tell how much the damage would cost to repair. you could ask her for a copy of the estimates that she received. That might help.

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hi Chris

    Did they call you?

    Thanks

  • http://www.insurancehotline.com/ InsuranceHotline.com

    hello

    since you didn’t ensure that the brake was holding, you would be considered to be at fault.

    If you are in a “no fault” province then each driver goes through their own insurance.

    Thank you

  • Paul

    Hi, hope I’m writing this in the correct spot. I live in ontario. Two days ago the guy to my left drifted into my lane and hit my car doing damage starting from the rear of my driver side door and continues back to over the rear wheel well. I reported it then got a call from other driver giving me heck for reporting. Now he is claiming that I hit him. Is it my word against his? What can I do to protect my self? Paul

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello

    It would be helpful if you have the contact information of any witness.

    Thank you

  • Sid

    If the other person decides to go through insurance, does Shay have to report it to her insurance company or just wait for her own insurance company to contact her?

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello

    It’s always best to report it to your insurance company rather than the other party.

    thank you

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello

    If you pay for the damage out of your own pocket, there is no guarantee that the owner of the vehicle will not try to make a claim anyway.
    Talk with your insurance broker or agent and get their advice on this.

    Thanks

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello

    It is usually best to go through insurance. Most of the time the repairs are guaranteed by the repair shop that the insurance company refers you to.

    Thanks

  • http://www.insurancehotline.com/ InsuranceHotline.com

    hello

    Do you have witnesses?

  • http://www.insurancehotline.com/ InsuranceHotline.com

    hello

    You should report the accident to your Mom’s insurance company.

    thanks

  • http://www.insurancehotline.com/ InsuranceHotline.com

    hello

    He should go through is own insurance to have his vehicle fixed.

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello

    You can go to any body shop to get an estimate. remember that if you have a $500 collision deductible and the damage to your car is $1000 you will only receive $500 plus you will have an at fault accident on your record.

    Thanks

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello

    You do take a chance when you settle outside of insurance. It is your decision.

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello

    In Ontario a claim for an at fault loss regardless of how much is paid out will usually affect your premium.

    Thanks

  • http://www.insurancehotline.com/ InsuranceHotline.com

    If there is no damage to either vehicle then there is nothing to report.

    Thanks

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello

    It is likely that you are at fault since you were moving and the other vehicle was parked.

    Thanks

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello

    If there was no damage then there is no need to report to the city.

    Thanks

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Hello

    If there is no damage to the condo property and less than $1000 damage to your vehicle, you are not required to report it.

    Thanks

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