[问题] 我的车，我的保险，朋友开我的车可以吗？

[乌龟和兔子赛跑]

谢谢。

 

[fffffffff]

刚刚听说是可以的

 

[雨中的阳光]

不合法，但是他开的没危险的话也无所谓。。但有了问题的话都是你的责任。。。

 

[Jetta]

是啊……只要安全驾驶没事的，但是要是有事情了，你的责任跑不了……

 

[乌龟和兔子赛跑]

最初由 和尚和尚 发布
开是可以，但是出了事,责任就全部是你的,(不排除法律责任).
保险也肯定长了，在加拿大两个东西不能借,老婆和车子.......

如果朋友自己也有保险呢，出事了算谁的呢？

 

[RX7-for-sale]

最初由 乌龟和兔子赛跑 发布
谢谢。

It is legal for your friend to drive your car. But make sure he is legal to drive in Canada. If your freind is in accident at fault, and if he/she does not have auto insurance, then your auto insurance policy will pay out the claims, and your insurance company will increase your insurance premium. If your friend does has his/her own auto policy, then his/her insurance company will deal with this matter.

Also police generally laid charges against driver who is at fault in an accident. If your friend is at fault, policy may laid charges against him/her

 

[乌龟和兔子赛跑]

Re: Re: [问题] 我的车，我的保险，朋友开我的车可以吗？

Thanks.
如果这样的话，为什么保险公司还要询问关于车的信息呢，在买保险的时候。（并且保险的价格还和车辆的信息很有关系。）是不是就说明买的这个保险是和这个人并且这辆车挂钩的呢。比方说，如果我有自己的保险，开别人的车，如果车了事故，我的保险公司可以说你付的钱是只针对与你的车辆状况的，跟别人的车辆状况不一样，等等。

最初由 RX7-for-sale 发布
It is legal for your friend to drive your car. But make sure he is legal to drive in Canada. If your freind is in accident at fault, and if he/she does not have auto insurance, then your auto insurance policy will pay out the claims, and your insurance company will increase your insurance premium. If your friend does has his/her own auto policy, then his/her insurance company will deal with this matter.

Also police generally laid charges against driver who is at fault in an accident. If your friend is at fault, policy may laid charges against him/her

 

[RX7-for-sale]

Re: Re: Re: [问题] 我的车，我的保险，朋友开我的车可以吗？

最初由 乌龟和兔子赛跑 发布
Thanks.
如果这样的话，为什么保险公司还要询问关于车的信息呢，在买保险的时候。（并且保险的价格还和车辆的信息很有关系。）是不是就说明买的这个保险是和这个人并且这辆车挂钩的呢。比方说，如果我有自己的保险，开别人的车，如果车了事故，我的保险公司可以说你付的钱是只针对与你的车辆状况的，跟别人的车辆状况不一样，等等。

Insurance companies determine insurance based on statistic data. For example, the premium is calculated based on how likely the insurance subscribers will make a claim. Therefore, they will use the follow factors to determine the premium

- car make and model: this is for how likely the driver & passenger would get injury when the car is in accident; also, how likely this car will be the traget of the car theft;

- gender & age of the insurance subscriber: this is for how likely this driver will speeding, and speeding generally the main cause of car accident. Generally, female driver and married person will get cheaper insuarnce for the same car

- number of year of driving experience: this is to detrmine how much driving experience you have. The longer the driving experience without accident, the lower the insurance rate.


Insurance company used these data to determine your insurance premium. In real life, everyone has an occasion to drive someone's car. This is all take into the account of the premium calculation. However, there are some additional benefit may not be avaliable whne you are driving someone's car in accident at fault. Neverthless, the your insurance policy will provide coverage to the accident you cause if you driving someone's vehicle, but may be to the full extend as you are driving your own car. Check with your insurance companies for additiona; information on this subject.

 

[ccc]

最初由 乌龟和兔子赛跑 发布


如果朋友自己也有保险呢，出事了算谁的呢？

What are you talking about here? Has he bought insurance on your car? I guess his insurance covers his own car, not yours.

 

[ccc]

Your insurance covers only the vehicle(s) shown in the policy paper, not others' cars or rentals that you might drive.

 

[Teddy]

Right, even your friend has insurance, you still need to make a claim for the accident because the car is under your insurance. Actually, your friend will have nothing to do about insurance except those legal issues.

 

[cvictor]

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