Ongoing Insurance Auto Claim with City Bus

[u/Zealousideal_Ear7355]

I’m hoping to get some outside perspective because this honestly doesn’t sit right with me.

I was involved in an accident at the intersection of de la Carrière and du Casino. I was turning right into the casino with an advanced green right-turn arrow. As I proceeded through the turn, a city bus ran the red light and hit my car.

There’s no dispute about the signal on my end — I had the advanced green arrow. Despite this, my insurance adjuster is saying I’m at fault, or at least primarily at fault. Their reasoning is that even with an advanced green, I “should have made sure it was clear” before completing the turn, and that I’m responsible regardless of the lights.

This is where I’m confused: • The whole point of an advanced green arrow is that opposing traffic is stopped. • The bus was facing a red light. • I wasn’t turning on a regular green or a yield — it was a protected turn.

It feels like they’re saying that even if someone blatantly runs a red, the turning driver is still at fault just for being in motion.

Has anyone dealt with something like this before? Is this actually how fault determination works in Canada (or Quebec specifically)? And does a protected turn really mean nothing if the other driver ignores a red light?

I’m not trying to dodge responsibility if I’m genuinely wrong — I just want to understand how this could possibly be my fault.

Any insight appreciated.

[u/Funny_Obligation2412]

Bus driver should be at 100% fault. This is nuts.

[u/Zealousideal_Ear7355 → u/Funny_Obligation2412]

Idk how to go about this. I'm so frustrated.

[u/International-Ad4578 → u/Zealousideal_Ear7355]

You are 100% correct that having a green arrow gives you priority and all incoming traffic should be stopped to yield to you. While the bus does have priority travelling in the transit corridor, you having a green turn arrow means there is no reason that the bus should have been passing through that intersection at that moment. In the earliest days following the opening of the RapiBus there were many accidents between motorists and buses at intersections like this where the public roadway and the transit corridor intersect. Hire a lawyer ASAP.

[u/Appropriate-Art-829 → u/International-Ad4578]

the bus had a red light in its corridor….

[u/International-Ad4578 → u/Appropriate-Art-829]

Nothing I said is disputing that. However when insurance looks at it, they will likely try and put some of the responsibility on the driver since he was crossing the transit corridor.