Hi, I was involved in my first-ever accident in a parking lot. I was completely stopped when another driver hit me. I am with Square One insurance in Ontario, Canada.
Important context: I have no dashcam and no other form of evidence (no witnesses, no security camera footage confirmed). It’s essentially my word against theirs.
The liability is being determined — best case it’s 0% my fault, but I’m worried it could be ruled 50/50 since it happened in a parking lot and there is no proof.
My questions:
If ruled 50/50, roughly how much will my premium increase (in % or $)?
For how many years does this accident affect my premium?
Does Square One offer accident forgiveness for a first accident?
Without a dashcam or evidence, is a 50/50 ruling the likely default in this kind of parking lot scenario?
This is my first accident. Any insight appreciated!