Kanetix
Car Insurance Forum

Hello, monday night I got into a little fender bender with a guy around my age. It was raining very hard at night and my car slid when I pressed the brake (was a 2 - 3 car distance from him). When I hit him, my car was just rolling possibly only going 5 - not even 10 m/ph. His rear bumper had a little bit of paint coming off and a few little dents. We both were not to sure what to do about this whole mess, so on Wednesday night I got a text from him saying he went to the insurance company and that I needed to call mine. *I was at work during the time I got the text and couldn't reply back*. I'm not sure when or even if he made a police report and I did not either yet. I am calling my insurance company tomorrow to figure this whole mess out. I got into an accident last year in December because of really icy roads with again driving slowly just happened to be at the wrong place at the wrong time. My dad is telling me I might lose my driving license. Is this true? Thanks!

Well, here's the bad news: since you hit someone from behind you would be considered at fault in the accident, regardless of the road conditions. If the other person made an insurance claim then his insurer will put the details of the incident on record. Your insurance company will also find out about the incident and likely change your insurance rates on renewal or possibly even cancel your insurance. The good news is that since nobody was charged at the scene then you will not have any demerit points from this incident and will certainly not lose your license because of it.

Sean Graham, Principal Broker at KTX Insurance Brokers