Buy to Let Building Insurance » Private

Would my auto insurance increase if I hit a careless pedestrian jaywalking on a private property?

Editor — Thu, 22 Jul 2010 20:29:10 +0000

Would my auto insurance increase if I hit a careless pedestrian jaywalking on a private property?

Here are the case facts: -

1.Pedestrian was hit by my car while crossing a road located within a private property (a community college) in Brampton, Ontario (Canada)
2.I was in no position to clearly see the pedestrian in advance as the pedestrian suddenly appeared from behind the huge pile of snow on the side of the road. The pedestrian was walking from the parking lot and came onto the road from a blind spot.
3.I was driving at 30kms/hrs and saw the pedestrian just before I hit the pedestrian.
4.The pedestrian was NOT using the designated pedestrian crosswalk but was jaywalking on the road in attempt to cross the road.
5.I applied brakes as soon as I saw the pedestrian on my way but the pedestrian got hit by the time finished applying the breaks. I think my car came in contact with the pedestrian when the car had almost stopped possibly causing the minimum impact. Pedestrian seemed to be all right (not injured) but was slightly in pain due to the hit as my car hit her in the thigh. She did not fall down and was still able to walk (but was crying due to the shock)
6.I called 911 (both cops and ambulance) and they didn’t charge me with offence.
7.The Police Officer concluded that it was not my fault after he confirmed with the witnesses that I actually tried to stop the car and that the pedestrian was jaywalking and not using the pedestrian walk for cross the road. The cop mentioned that I would have been charged if I were not driving on a private property. The building security also concluded that I was not at fault.
8.The police accident report makes no mention of my fault.
9.The paramedics concluded that pedestrian was not injured and was all right but they took her to the hospital anyway (for check up since the pedestrian seemed to have some pain in the thigh)

My question is –
Although, I was not ticketed or charged, would MY INSURANCE GO UP? I have heard that Insurance companies are notorious and would hold you responsible anyways or may hold you partially at fault?
Headsiwin,

I appreciate your reply, however, I disagree with your comment “How can you say it was NOT your fault”
I can say that it was not my fault because the COPS said so
Because they did charge me.
They gave me no FAULT accident report
They told me that the pedestrian was at fault
They concluded this after site investigation and talking to witnesses
If you were correct then there would NEVER be ANY NO FAULT accidents in the world because driver would always be responsible. If you have driven in Northern Ontario during snowstorms or whiteouts, you would know what I am talking
How could I be responsible if no reasonable sane person in my position could have seen the pedestrian?
If I was really careless, I would not have seen ahead and braked my car and probably the person would have been seriously injured. The fact that my car barely touched the pedestrian is the proof that I was alert and was able to stop the car and was able to avoid potential life threatening accident.
Correction to the above note -
I meant – “The Cops did not charge me”

What are the exact steps for getting a private bank student loan?

Editor — Sat, 29 May 2010 21:08:21 +0000

I need to apply for a private bank student loan due to my circumstances. I have completed my FAFSA and do not know where to go from here. Any suggestions? I would greatly appreciate the steps from applying for FAFSA to Cashing the Check. I am so confused!!!
Thank you!
Rebecca

Why did Obama say “He is not familiar with the provision in the house bill” to outlaw private insurance?

Editor — Sat, 15 May 2010 02:11:29 +0000

Obama hosted a conference call with leftist bloggers urging them to pressure Congress to pass his health plan as soon as possible. During the call, a blogger from Maine said he kept running into an Investors Business Daily article that claimed Section 102 of the House health legislation would outlaw private insurance.

The Blogger asked:

“Is this true? Will people be able to keep their insurance and will insurers be able to write new policies even though H.R. 3200 is passed?

Obama’s answer:

“You know, I have to say that I am not familiar with the provision you are talking about.” (quote begins at 17:10)
I guess he is too busy giving speeches to read what he wants to ram down our throats.

http://blog.heritage.org/2009/07/21/morning-bell-obama-admits-hes-not-familiar-with-house-bill/?CFID=70197973&CFTOKEN=60110478

Is it better to take a private student loan & pay it off with a bank loan?

Editor — Wed, 12 May 2010 11:03:41 +0000

Current interest is about 6.7% but these private loan people are jerks. Would I get a crappier deal from a bank?

(it’s a general question, I know, just tell me anything you know off the bat that I could be missing)

Do you have to pay private mortgage insurance if the home is appraised for more than the purchase price?

Editor — Wed, 28 Apr 2010 10:11:59 +0000

We are putting in an offer on a house for 110K, but the house is appraised at 153K (long story I’ll save you the details) We are more than likely getting the house for this price. I asked our lender if we would have to pay PMI then since the house’s value is so much more than what we’re paying and she said yes.

However, I know a friend of mine said they put 0% down on there house and had it appraised 2 years later and the value of the house had increased so much more than what they paid that they got the PMI dropped. Why is my lender saying that’s not possible? Anyone know?
It’s not through FHA – we are putting between 10-15% down depending on final price.

Can sales tax for a private party car purchase be added to a bank loan?

Editor — Wed, 21 Apr 2010 02:05:34 +0000

If you purchase a car from a private seller, in New York State you have to pay sales tax at the DMV. The tax amount is determined by the sale price of the vehicle. My question is: Can the amount that you will have to pay for tax be added to the bank loan; in turn not having to pay the taxes at the DMV because it’s already included in the loan? (I’m in New York State)
I know that taxes are not payable to the bank. But if you were to purchase a car from a dealer, they could add all the costs, including registering the car, and taxes, and you could get a loan from a bank to pay for all of that. But my question is, when buying from a private seller, can the tax be included in the loan so as to give the buyer a break from having to pay cash out of his pocket to pay the tax at the DMV. It is in NO way a tactic to try and get around paying taxes, it is simply having the cost of the tax included in the loan. The state will still get the tax money.

Are Private Loan Modification companies better to work with then direct to the bank loan modification?

Editor — Tue, 30 Mar 2010 17:04:28 +0000

Are Private Loan Modification companies better to work with then direct to the bank loan modification people. I have spent the last year trying to get a loan mod direct with my lender, US Bank. All I get is a run around with no answers, and the 3rd party people want 3k up front. Any suggestions?

have 2 loans both are private lenders 1st and 2nd mortgages can you file bankruptcy and keep your home?

Editor — Sun, 21 Mar 2010 00:15:22 +0000

is it possible to make private insurance on a rented car?

Editor — Sun, 07 Mar 2010 12:13:47 +0000

my father is renting a car for 2 weeks, in new york, and i am age 17, and i still can’t be a second driver, so i want, to make a private contract, with a insurance company, on the rented car, is it possible is it possible or not ???

Do you agree with taxpayer subsidies to let people buy insurance from private companies?

Editor — Fri, 19 Feb 2010 12:11:44 +0000

Or do you think that is normal free enterprise?

Bakersfield Homes In A Private Community

Editor — Thu, 26 Nov 2009 01:28:38 +0000

http://www.tynerranch4me.com

Call Mago today 661-477-3561
m-medrano@hotmail.com

Has there ever been a time in your life when you wanted to buy something but you just weren’t really sure and you wa…

Private Tenants Rights Re Viewings!!!!?

Editor — Wed, 14 Oct 2009 07:30:53 +0000

To cut a long story short, I am a private tenant who agreed with landlady that we could rent the house with view to buy – our contract states that – ‘ it has been agreed that between both parties that the property will be let until a time when the current occupiers (us) are in a position to purchase the property at full market value.’
We are not in a position to buy as I have just started maternity leave – due in Dec – she has been pestering us for months about when did we want to buy etc – in which we explained the pregnancy – mat leave etc – and nothing was said, other han she has kept in increasing the rent (? try and force us out).
Anyway we had a txt saying she was putting rent up again last night and that she wnted to sell soon, my cousin (her friend) rang her and it turns out the let to buy mortgage she has on this runs out next november, then she will have to pay capital gains which she does not want to do, therefore she wants to sell before. Is she breaching the contract as