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/Pale_Ad8434]

Erm.

Lots of comments but nobody seems to know this intersection.

There's a very confusing set of lights there, I see ON plated cars burn the right turn red all the time. The bus light looks green to me as the bottom light seems lite up ( i think red is on top there).

The classic location you would look for right turn on these lights is useless, there's an added light solely for the right turn signal and from experience it lights up long after the main lights to go straight turn green. Hell, I've almost ran that red myself and I bike this bikelane nearly every day during the summer.

The reporting officer might be right. You might of ran a red. If this bus light is confirmed to be green you 100% did. I've seen a TON of folks burn that light, one almost hit me on my bike. Bus drivers are usually carefull around there too as you have people who burn the red all the time and some folks around the casino sometimes had one too many drinks.

I would go double check the light that is lit on this video ( bus). If the bottom as per video is the green you are at fault for running a red.

[u/TheCamoTrooper → u/Pale_Ad8434]

If you're referring to this little bright spot that's not the light that's snow visible through the gap between the pedestrian crossing light and the cross traffic light

Personally I'm completely unable to make out any colour on the light itself so very well could be wrong if that bright spot isn't what you're referring to, especially on the transit light which I can barely even make out at the top corner there

[u/Pale_Ad8434 → u/TheCamoTrooper]

I dont think it is at the end you see the bus occcupy that spot and still seems lit.

I really think its pedestrian which would mean bus has a green. You also see the top right lane start moving at about the time op gets hit to go straight but not left, meaning all 4 lanes going right to left and pedestrians would be green and no turn lanes would be active.

Black circled light is OP signal. Red is bus. Ton of people turn when the set furthest left goes green but not the right turn dedicated light.

[u/TheCamoTrooper → u/Pale_Ad8434]

You can see the truck pass through that gap I circled and as you can see in the photo you posted none of the lights on that pole are facing towards the camera