The total loss claim adjuster for Intact just called me to confirm the amount that I will be getting for the car (I ignored the number; it was huge, even without my deductible, and I don’t want to get excited until I get confirmation on how much is left on the car loan). She wanted to send me a cheque with BMO as a co-signor, but I found that way too messy and it would mean I wouldn’t be getting paid till I got back to Quebec and able to get to a BMO.

Instead, I will call BMO Friday morning to get a statement of my account sent to the Intact adjuster so that she can pay the loan out directly. Friday because I’m staying at the hotel again tonight and don’t have access to any of that paperwork, dangnabit.

Once the total loss claim adjuster gets the statement, she will send me some paperwork that I will have to somehow print out, sign, then have witnessed, and get it back to her. After that, she will arrange for direct deposit or a cheque to be made out to me for the balance. I really don’t see myself getting the payout before I get to Quebec, but this does seem easier than going the co-party cheque route.

She finished with a bit of great news: they are paying for the car until the 14th! I think that means that if I keep it on the 14th, then I have to pay for that day. So I may end up paying for the car for a couple of days next week, but I’d be looking at less than $60 for a rental when I had thought it would be closer to $250! Bureaucratic red tape has worked in my favour!