请问大家我这种情况怎么办

[deepthroat]

这个明显是误人子弟，如果对方过错，不管多少钱，都是对方掏，我家新车被刮过，对方掏

完全错误，安省的no-fault insurance，是不管谁的错，保险公司出钱修自己的客户的车，无错方的保险公司也不向对方保险公司要钱。由于安省的no-fault insurance，在你要求修车的时候，不管是否你的错，你的保险公司是你的敌人。

Anyway，即使对方过错，对方保险公司并不出钱，而是你的保险公司出钱。

 

[向问天]

停车场中，只要双方车都是动的，责任50%。一方车是parking的，责任是另一方。

大部分停车场是私人领地，不适用交通法规。这是警察说的。

同意
我亲耳听警察说过。
但是他们在愿意的情况下，可以写证明谁有责任， 但是不开罚单。

 

[lindamy]

不很清楚谁出钱修车，只知道保险公司需要详细了解事故过程，谁的责任。在新世界停车场被一辆车门严重刮伤过，对方怨我说明明看到他们在开门，我还往前开，等警察时，他们叫来的拖车司机，和他们女儿看了现场后都认为是他们的错。警察来后说，车门撞车，在外面100%是门的错，在私人停车场，他可以做证人，写证词，不能开罚单。连租车带修车，花了3千多。

 

[timmy]

不要不懂装懂，在对方错误的情况下，你的保险公司与你是站在一条阵线上的。
http://www.melochemonnex.com/en/car-insurance/articles/car_insurance_Ontario_nofault
What is it?
Ontario has a "no-fault" car insurance system. But this doesn't mean that no one is at-fault in an accident. "No-fault" insurance means that if you are injured or your car is damaged in an accident, then you deal with your own insurance company, regardless of who is at-fault. You don't have to go after the at-fault driver for compensation.

Similarly, if any passengers in your car is injured, then he/she has a car insurance policy of his/her own will approach his/her own insurance company for benefits. If your passengers don't have a car insurance policy of their own, then your insurance company may pay benefits to them. The driver of the other car involved in the accident will claim benefits from his/her own insurance company.

How does it work?
Someone is always deemed to be "at-fault" in a car accident, whether partly or fully. The law requires insurance companies to assign the percentage of fault for each of the drivers involved in the accident. This is done by using the "Fault Determination Rules".

These rules, which are set out in a regulation under the Insurance Act, help insurance companies deal with accident claims quickly and economically. The Fault Determination Rules differ from any charges laid by the police under the Highway Traffic Act.

Here's an example
Say you were unable to stop your car on an icy road. You rear-ended another car and the police officer told you that "no one was at-fault". This usually means that no police charges will be laid. It does not mean that the insurance companies involved will not consider who was at-fault. In this case, the insurance company would apply the Fault Determination Rules. This states that a car that rear-ends another car is at-fault (since drivers are required to take road conditions into consideration).

Your percentage of fault will determine the amount of deductible you have to pay. Generally, if you're fully or partially at fault in an accident, insurance companies will increase your premiums at your next renewal date.

What to do if you don't agree
Don't agree with the way in which your insurance company has determined fault? Then contact the person your insurance company has appointed to deal with consumer complaints. This is usually the company's Ombudsman Liaison Officer. If your complaint is still not resolved, you may contact the Ontario Insurance Ombudsman. If you're still not satisfied with your insurance company's position, you may choose to go to court.

deepthroat完全正确。你说的“然后该保险公司向对方保险公司索钱”，就是不懂装懂。
似乎你只会引用英文内容，但并不懂里面的意思。

 

[timmy]

上面老向回答非常谨慎和完整，难道答案还不清晰吗？
她赖帐，您无需和她再deal
要么，您吞了账单
要么，您报保险，您无责，不需付deductible，也不会涨保险
period

这个总结正确，也很完整。
没想到坛里那么多糊涂人，政府有必要加强保险教育力度啊。

 

[deepthroat]

前半句正确，后半句错误。自己保险修自家车，然后该保险公司向对方保险公司索钱，帐由过错方保险公司记到过错方身上，与你无关。

安省的no-fault保险，该保险公司向对方保险公司索钱吗？

别不懂装懂了。

 

[InterMilan7]

对方全责要走保险好像还需要去交通部门报告下，提供肇事车主的驾照号和车牌号，描述下事情经过，官方出个证明确实没你责任，你的保险公司就不会涨你保险。修车费用都是你自己保险公司出，怎么跟肇事者要钱那是保险公司的事。

 

[Teddy]

大家感兴趣的话，查查保单，看有几个 deductible options

 

[uglyducking]

不要不懂装懂，在对方错误的情况下，你的保险公司与你是站在一条阵线上的。
http://www.melochemonnex.com/en/car-insurance/articles/car_insurance_Ontario_nofault
What is it?
Ontario has a "no-fault" car insurance system. But this doesn't mean that no one is at-fault in an accident. "No-fault" insurance means that if you are injured or your car is damaged in an accident, then you deal with your own insurance company, regardless of who is at-fault. You don't have to go after the at-fault driver for compensation.

Similarly, if any passengers in your car is injured, then he/she has a car insurance policy of his/her own will approach his/her own insurance company for benefits. If your passengers don't have a car insurance policy of their own, then your insurance company may pay benefits to them. The driver of the other car involved in the accident will claim benefits from his/her own insurance company.

How does it work?
Someone is always deemed to be "at-fault" in a car accident, whether partly or fully. The law requires insurance companies to assign the percentage of fault for each of the drivers involved in the accident. This is done by using the "Fault Determination Rules".

These rules, which are set out in a regulation under the Insurance Act, help insurance companies deal with accident claims quickly and economically. The Fault Determination Rules differ from any charges laid by the police under the Highway Traffic Act.

Here's an example
Say you were unable to stop your car on an icy road. You rear-ended another car and the police officer told you that "no one was at-fault". This usually means that no police charges will be laid. It does not mean that the insurance companies involved will not consider who was at-fault. In this case, the insurance company would apply the Fault Determination Rules. This states that a car that rear-ends another car is at-fault (since drivers are required to take road conditions into consideration).

Your percentage of fault will determine the amount of deductible you have to pay. Generally, if you're fully or partially at fault in an accident, insurance companies will increase your premiums at your next renewal date.

What to do if you don't agree
Don't agree with the way in which your insurance company has determined fault? Then contact the person your insurance company has appointed to deal with consumer complaints. This is usually the company's Ombudsman Liaison Officer. If your complaint is still not resolved, you may contact the Ontario Insurance Ombudsman. If you're still not satisfied with your insurance company's position, you may choose to go to court.

我一直以为你俩互为骂架的。

安省的no-fault保险，该保险公司向对方保险公司索钱吗？

别不懂装懂了。

 

[Jingle]

您就算自己没责任，多用自己保险修几次车，您就知道咋回事了！

你遇到过几次这样的情况？ 如果不是你的错， 你什么都不用付，保险也不会受影响的。

 

[渥太华的狼]

停车场中，只要双方车都是动的，责任50%。一方车是parking的，责任是另一方。

大部分停车场是私人领地，不适用交通法规。这是警察说的。

正解

 

[Jingle]

完全错误，安省的no-fault insurance，是不管谁的错，保险公司出钱修自己的客户的车，无错方的保险公司也不向对方保险公司要钱。由于安省的no-fault insurance，在你要求修车的时候，不管是否你的错，你的保险公司是你的敌人。

Anyway，即使对方过错，对方保险公司并不出钱，而是你的保险公司出钱。

那像你这样说，deductible是免不掉的。 你怎么解释在对方100%责任的情况下，你不用付任何钱呢？

比如甲的车在停车场停着的时候，被乙的车撞了， 假定修车要1500。 一种情况，乙跑掉了， 甲报自己的保险，修车， 要交deductible，虽然甲完全没有责任。 第二种情况，就是上面很多人提到的，乙没跑，承认或被认定全责，甲同样是报自己的保险，修车，但不用交deductible。 这个不同，是不是说明乙的保险公司是最终付钱的一方？

 

[deepthroat]

那像你这样说，deductible是免不掉的。 你怎么解释在对方100%责任的情况下，你不用付任何钱呢？

no-fault insurance和all-fault insurance的区别，主要是无错方不找有错方保险公司赔偿，双方保险公司，不互相charge。其余的部分，基本相同，例如，要分责任，这个责任主要是用于涨钱, 在对方100%责任的情况下，你不用付任何钱。

最早的时候，都是all-fault insurance，要么无错方找有错方保险公司赔偿，要么双方保险公司先赔偿各自的客户，然后保险公司按照责任，互相charge钱，但是，由于无错方找有错方保险公司赔偿，无错方不是有错方保险公司的客户，或者保险公司互相charge钱，于是无错方和有错方保险公司，保险公司之间的扯皮和官司不断，增加了很多开销。后来，人们发现，保险公司其实没有几家，咱们接触的，大部分是broker,按照统计结果，这几家保险公司互相charge钱，大人群，长期来看，是平衡的，和互相不charge是一个效果。于是为了省去扯皮，官司和开销，发明了no-fault insurance，就是就是无错方不再找有错方保险公司赔偿，保险公司之间不再按照责任互相charge钱，保险公司只赔偿各自的客户。但是责任还是要分的，因为要给自己有责任的客户涨价。

no-fault insurance看起来很美，和谐了保险公司间的关系，但造成了，不管是否是自己客户的责任，保险公司都是自己出钱，即使不是自己客户的责任，保险公司也不能找对方要钱。于是不管是否客户的责任，保险公司利益和客户总是对立的。即使不是你的责任，保险公司也很不爽，当然，条款在那里，保险公司表面上也不能做什么。但是是否降价，降多少，全由保险公司说了算。

 

[Jingle]

no-fault insurance和all-fault insurance的区别，主要是背后的双方保险公司，不互相charge。其余的部分，基本相同，例如，要分责任，这个责任主要是用于涨钱, 在对方100%责任的情况下，你不用付任何钱。

最早的时候，都是all-fault insurance，要么无错方找有错方保险公司赔偿，要么双方保险公司先赔偿各自的客户，然后保险公司按照责任，互相charge钱，但是，由于无错方找有错方保险公司赔偿，无错方不是有错方保险公司的客户，或者保险公司互相charge钱，于是无错方和有错方保险公司，保险公司之间的扯皮和官司不断，增加了很多开销。后来，人们发现，保险公司其实没有几家，咱们接触的，大部分是broker,按照统计结果，这几家保险公司互相charge钱，大人群，长期来看，是平衡的，和互相不charge是一个效果。于是为了省去扯皮，官司和开销，发明了no-fault insurance，就是保险公司之间不再按照责任互相charge钱，保险公司只赔偿各自的客户。但是责任还是要分的，因为要给自己有责任的客户涨价。

no-fault insurance看起来很美，和谐了保险公司间的关系，但造成了，不管是否是自己客户的责任，保险公司都是自己出钱，即使不是自己客户的责任，保险公司也不能找对方要钱。于是不管是否客户的责任，保险公司利益和客户总是对立的。即使不是你的责任，保险公司也很不爽，当然，条款在那里，保险公司表面上也不能做什么。但是是否降价，降多少，全由保险公司说了算。

比如甲的车在停车场停着的时候，被乙的车撞了， 假定修车要1500。 一种情况，乙跑掉了， 甲报自己的保险，修车， 要交deductible，虽然甲完全没有责任。 第二种情况，就是上面很多人提到的，乙没跑，承认或被认定全责，甲同样是报自己的保险，修车，但不用交deductible。

Why there is a difference in above two cases?

 

[bianhetao]

遇到事故一定要照相！遇到事故一定要照相！遇到事故一定要照相！重要事情说三遍