关于车祸向保险公司索赔。

[可可豆]

如果是完全是对方的责任，我可不可以直接向对方的保险公司索赔？

 

[风之速]

不可以！现在是No Fault Insurance.

 

[HuntingFor...]

Why is No Fault Insurance?

 

[疯狂の浣熊]

还有保险的涨幅会是多少啊？如果在2000左右向保险公司索保的话

 

[记得忘记]

要通过自己的保险公司

 

[浪客TANXIN]

这个问题我也想知道

 

[stuff4sale]

最初由 可可豆 发布
如果是完全是对方的责任，我可不可以直接向对方的保险公司索赔？

No, You can only claim to your insurance company. And your insurance company will investage and pay you.

It is "No fault policy" in Ontario.

 

[stuff4sale]

最初由 HuntingFor... 发布
Why is No Fault Insurance?

"No Fault Policy" looks really stupid and not convenience to customer. "No Fault" does not mean no fault for you and others in accident. your both still have fault judgement by both insurance companies. The only difference is that your insurance pays you and the other one's pays him.

Why they do this way? Because from a long period of viewing, for the regular policy, say insurance company A and B, most likely the company A pays to company B at the same amount as the company B pays to company A for the long period(say one year). So they take it easier, make the agreement to pay their customers themselves. But for customer, It is really not comvenience.

 

[stuff4sale]

最初由 红袖添猪 发布
还有保险的涨幅会是多少啊？如果在2000左右向保险公司索保的话

Your insurance will not increase if your fault is at 0%.

But sometimes it depends, such as if you claim many times within a short period, they may increase yours even you are not at fault. Say two months, you claim three accidents which are no fault with you, they may increase yours.

 

[stuff4sale]

最初由 浪客TANXIN 发布
这个问题我也想知道

Hopefully the above answers may help for you.

 

[浪客TANXIN]

最初由 stuff4sale 发布


Hopefully the above answers may help for you.

说得很清楚，谢谢，这个政策真是蛮傻的。