车祸后的保险问题[请求] 急！

[AOE_Conqueror]

昨天高速上前面一辆车打滑撞上路灯杆，然后路灯杆倒下来居然把我车给砸了。还好人没事，但车坏了。
由于我是只有第三方险，我的保险公司说他们不管，让我直接找责任人的保险公司。但警察又告诉我先联系我自己的保险公司，只要告诉他们责任人的保险号就可以了。
到底应该怎么办？请有类似经验的人告知。多谢！

 

[小喽?的跟班]

最初由 AOE_Conqueror 发布
昨天高速上前面一辆车打滑撞上路灯杆，然后路灯杆倒下来居然把我车给砸了。还好人没事，但车坏了。
由于我是只有第三方险，我的保险公司说他们不管，让我直接找责任人的保险公司。但警察又告诉我先联系我自己的保险公司，只要告诉他们责任人的保险号就可以了。
到底应该怎么办？请有类似经验的人告知。多谢！

Call your insurance company, and give them that person's policy number, then they will work on it. Do not worry, not your fault, your car will be covered.

 

[Teddy]

This is an interesting case. If the fall of the light pole was judged by police as another party's fault, your car will be covered BY your insurance company as DIRECT COMPENSATION; however, if the fall was judged as natural disaster AND you don't have COMPREHENSIVE PERILS coverage option, your car will not be covered. Basing on Ontario's insurance policy, any damages to your car can ONLY be covered by your own insurance company so they may want to push you away. You need to claim from your insurance company by referring to the police report. - My 2 cents just for information - Could be wrong.

 

[AOE_Conqueror]

现在的情况正如你所说，两家保险公司互相推托责任。我也问过政府专门管车辆保险的信息咨询中心，问了两次，居然得到两个不同的答案。
：（

 

[huang81]

应该是你的保险公司负责

安省的保险法好像是自己的车子只和自己所投保的保险公司连接
和别的保险公司没关系。
那你问你保险公司，如果那人没保险，你找谁去！

得认准你的保险公司！！

 

[AOE_Conqueror]

关键的问题是，我保险公司说这种情况下，对方的车没撞到我，就不算。就好像是一个意外的物体砸了你，只有买了comprehensive的险才赔。

 

[Teddy]

You need to contact that accident police officer to prove: the damage was made DIRECTLY due to another car driver's fault. He should be pleased to do this for you.

 

[Teddy]

You should have that accident report from that police office with his contact info.