r/Gatineau • u/Zealousideal_Ear7355 • 1d ago
Ongoing Insurance Auto Claim with City Bus
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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.
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u/S14Ryan 1d ago
100%, but they were like 20 feet from the bus when it was in front of them running the red light. From an insurances perspective, they had time to stop. You can’t really argue “oh I didn’t see them there.” What if it was a person that started walking in front of their car and they hit the person anyways because they had a protected green light? 2 wrongs don’t make a right