Insurance

[Huiwei]

Insurance

 

[cyisc]

只要你报了保险公司，不管你是不是私了，保险公司都会记录在案，并做为涨你保险的凭据。

 

[哈哈米]

如果"私了", 就不能跟保险公司打电话.
如果跟保险公司打电话, 就不能"私了".

 

[dkwan]

nope. there is never not enough evidence.
Since you called insurance company about a claim, then there will be a record.

 

[花生酱]

去body shop 时我告诉他们自付或保险公司付，得到的价格是不同的．你就知道为什么保险公司让你赶紧去修了．

 

[lindamy]

保险公司增加你的保费是因为知道由于你的责任，造成了事故(虽然很小)说明你的技术有问题，或者不够小心。你要是不想让他们知道，就不应当告诉他们，事先自己估计一下怎样做更合算。

我也有过类似经历，后来后悔当初不如不报告。

 

[mortgagegopher]

Thank you for info.
What I meant before was that I only told the insurance company there was an accident. I didn't claim anything,I don't have witness, I didn't give info about another car. All the insurance had was what I said.

Do you mean the insurance only believe what I said.
If they believe what said, can I say there is no any damage or such an accident?

In Canada, government, insurance companies or people trust what we said in the first time. (It is known as 'Honest System') If we told them that our first reported statements are not true and made corrections. They won't trust us any more and they will do in-depth investigation from the beginning of the case.

Also, the insurance premium is not based on how much an insurance company pay us. It is based on how risky we are.

 

[花生酱]

In Canada, government, insurance companies or people trust what we said in the first time. (It is known as 'Honest System') If we told them that our first reported statements are not true and made corrections. They won't trust us any more and they will do in-depth investigation from the beginning of the case.

Also, the insurance premium is not based on how much an insurance company pay us. It is based on how risky we are.

．．．．保险公司衡量的是潜在风险，而不仅仅是这个ＣＡＳＥ他们要赔多少钱．

 

[cyisc]

你当时同意私了，实际上已经就责任划分和另一方达成了默契（i.e. 发生碰撞是你的责任）。你现在再跟保险公司去争论责任划分，不会有任何作用，除非当时你报警，由警察来确定责任划分。

 

[ccc]

I checked the Ottawa Parking bylaw on PartA Part1 Item 7 said nobody should park the car to obstruct the other's driveway. Since my neighbor’s car parked beside the snow bank which is opposite to my driveway and it did block my way out. Can I take this to insurance company to claim it was not my fault?

Thanks.

Hui

No, they didn't block your driveway as their car was parked on the opposite site of the street.

 

[feels]

Once you inform insurance company an accident, they will increase your premium for next few years due to higher risk. Regardless you claim it or not.

I have such experience as well.

Moreover, regardless it is your fault or other party, both parties claim to their own insurance company. This is the part that nobody mention in this thread yet

 

[mayo_wang]

我听说，第一次事故，即使是自己的责任，也有不涨保险的，不知道是否适用楼主
的情况。
请知道这种情况的大侠指导一下。谢谢。