iFly55 wrote:You could get a surprise "State of Claim" from a third-party up to two years after the date of loss.

that makes sense for a normal person to file one well after, but wouldn't a commercial truck do that type of thing right away?

Thanks, is there anyway i can tell if someone is making a claim against me? It's been nearly 2 weeks now and I haven't heard or seen anything. Would I find out from my insurance? Or am i past the likely time of notice already since it was a commercial truck?

Actually, it all depends on a concept called 'foreseeability'. If you knew or ought to have known that the debris was on the road and could negatively affect another person, then you can be held liable. That makes sense from a pubic policy perspective. Otherwise, people would be free to create a sa...

Quick question about debris (broken taillights ect) from an accident and responsibility.

If someone hit something that broke off (not cargo), but 30 minutes after the original accident and other cars managed to avoid everything. The debris was avoidable who is responsible for damage to that car.

http://www.digitalhome.ca/forum/showthread.php?t=128719

According to this it seems there is a way if no claim is made. How did you come to the conclusion there wasn't a way to directly pay it.

so it would be best to let insurance know even though no claim will be made?

Someone has an accident in a car worth very little on highway 401 but the car is not drivable (but not in terrible shape), there is a police report filed right away in which no other cars were involved, however the car did strike a guardrail. Is it possible to handle this without involving insurance...