Ah, the ins and outs of Canadian insurance... so much fun. I particularly like how my coverage got cut by 50% this year and my rates still went up because the government's scheme to lower insurance rates failed
. Americans, don't even try interpreting Canadian insurance because it just doesn't work the same way as it does in the US. Even Canadians don't understand it well because it goes against much of common sense. Many of the provinces have 'no fault' insurance where no matter who was responsible for what and why, your personal insurance policy covers you and your damages and not the other party. It was originally intended to stem the wave of fraudulent lawsuits, and it kind of worked, but it confused half the country in the process. And yes, it is attached to the car itself, not the person driving it which is why we have to be particularly picky about who we let drive our cars. This doesn't mean that they don't take notice of whose fault the accident originally was, it just impacts how it gets paid out.
Depending on CW's policy and her driving record she *might* get a freebie 'at fault' without her rates going up, especially with this being such a minor bump; however that is something CW would have to discuss with her broker. Unfortunately once you tell the broker, you can't un-tell the broker as he's got a duty to report as well.
Nice of the friends to admit to a failure to remain at the scene of an accident which, last time I checked, was illegal in all provinces. They also made it doubly hard for CW's son to get his insurance to cover his losses and a right pain in the butt overall as the accident is undocumented. Overall I'd be pissed as it's the equivalent of spilling red wine on the couch and flipping the cushion over to hide it, allowing it to drip all over the carpet.
All of this makes my head spin and reminds me why I turned down taking over the insurance business which had been in the family for generations. I'm much better off with professional basket weaving.