The police officer visits you in hospital and just wants a minute of your time to take a statement. She's quick and efficient; takes the necessary information and prepares to go. As she's leaving, she confirms that the other driver will be charged with Careless Driving. One other thing - the other driver will also be charged under section 2(1) of the Compulsory Automobile Insurance Act; he had no insurance on his car. You look at your leg encased in plaster, the I.V. line taped to the back of your wrist. You may never work again. You're certainly not going back soon. What will you do?
That girl in the car next to you at the stop light looking down into her lap is texting. She's also stealing $30,000 from someone. But how can that be? It's easy. We know she is eventually going to cause a crash. It might be you in the other car trying desperately to swerve onto the shoulder and avoid her as she drifts into your lane. Could be your Mom. Your son. Could be anyone. When the front left bumper of her car smashes into the driver side of your car, there will be injuries. Because of the angle of impact, you'll probably break your left ankle; maybe shatter your left tibia and fibula; probably sustain a fracture dislocation of your left hip; your neck and shoulders will ache for weeks and if you're in the unlucky 15% of people who never recover from neck injuries, the headaches and neck pain will continue for the rest of your life on a daily, constant and unremitting basis. When that happens, you'll want to be treated fairly and compensated for what you've lost. Here in Ontario, there's a $30,000 deductible on your body for injuries sustained in a car crash. When that girl's insurance company pays your claim, it gets to hold back the first $30,000 that you are awarded for pain and suffering (general damages).
In the days before digital everything, people wrote letters to one another. It was quaint but effective. Sometimes people wrote back. Grandma sent a birthday card in the mail and there was always a $5 bill stuck in middle (try that one on for size digital greeting card company). We don't write many letters anymore. We send email. We don't mail photos. We post them on our Facebook account and family members and friends that we've carefully chosen get to see them. One billion people that we didn't choose don't get to see them. That's what privacy settings are for. We use them when we have an expectation of privacy.
I seldom agree with the IBC (Insurance Bureau of Canada). Today it wrote a blog suggesting that all students heading out to university or college buy tenant's insurance. I agree. Do it.