Schmidtzy

Also a claims adjuster here albeit in Canada, Fault can be hard to determine but honestly if we have to pay out it is routine. There is no bonus for paying out less/denying people nor any punishment for paying out too much this is a common misconception. We merely interpret the insurance policy as it relates to the specifics of the incident. Most of the "Insurance company screwed me over" stories are a result of people not taking the time to properly read the contract they are agreeing too.

I often handle claims for persons in Alberta here in Canada. The majority of auto personal lines policies(Average person policy i.e non commercial) in Alberta have a endorsement 13D on the policy meaning that the company will not pay for damage to a windshield except it it happens during an accident(assuming they have coverage for physical damage)

The reason they have a 13D is because in Alberta instead of salt or sand for the snow and ice they use pebbles to give better traction as a result windshield damage is really common and if it was covered insurance rates would be crazy expensive.

I am rambling but my point is that despite this fact I routinely get calls from people who are mad that I won't pay to fix their chipped windshield. This isn't the iTunes user agreement we are talking about, an Insurance contract is a legally binding one that affects you personally and financially. Fucking read it.

I would also like to see him more in Canada

I agree im just saying for millions of people the iTunes EULA will probably not affect their life directly.

Many provinces have what is called DCPD or direct compensation property damage. You can be reimbursed for the costs to repair the vehicle to the extent to which you are not at fault for the accident.

In this manner your car can be fixed even if you haven't purchased collision or All perils coverage's (Those coverage's that pay for physical damage not just mandatory liability coverage's)

In DCPD you deal with your own insurer to simplify matters and keep things out of the courts. If you live in a province like Alberta that is tort (individuals sue to recover damages) then your company will fix your car and then recover the money themselves from the at fault parties insurance company.

When you sign an insurance policy you sign over your right to sue at fault parties over to your insurance company. It's called subrogation.