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I've been through 2 not-at-fault claims with Desjardins and I have had no issued. They paid for a rental the next day and told me where to go to get my car fixed. Service was easy and quick. I have been with Desjardins for 7 years.
I don't know what all of the reviews here are complaining about. You blame provincial legislation roadblocks on the insurance company!
This will happen with EVERY INSURANCE COMPANY! So learn how insurance works before blaming good companies for your own ignorance
YES, if you tell them you had an accident they will raise your rates (even if they don't pay anything)
YES, if you don't get the other driver's information you're responsible for your own claim!
NO, you will not get your windshield replaced without a deductible.