车在停车场被磨了，不知道是谁干的，要报保险公司吗[请求]
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如果不是很严重，好像保险公司都不会管
Re: 保险费不会涨地.因为你没有责任.
It depends. The insurance premium will increase even though it is not your 'fault' because you live in / park a car in a risky area.
From the insurance company point of view, how can you show that it is not your fault? In your situation, I doubt that you are not at fault because of the lack of the witness during the accident in the parking lot.
It depends. The insurance premium will increase even though it is not your 'fault' because you live in / park a car in a risky area.
From the insurance company point of view, how can you show that it is not your fault? In your situation, I doubt that you are not at fault because of the lack of the witness during the accident in the parking lot.
一看就知道你没经验，不要误导。你说的"谁主张,谁举证"，是法律过程，不适用于加拿大汽车保险业。
保险公司一向是有责推定，保险公司假设责任在投保人，你必须证明不是你的责任，例如警察的报告，证人。保险公司没有义务去找证据,证人。一个common senese是，如果我不想要自己的破车了，自己往墙上一撞，说是别人撞的，要保险公司去找证据,证人，保险公司就别开了。
在楼主的case里，楼主无法证明自己没有责任，例如楼主无法证明不是自己撞墙造成的。除非你找到证人，而且证人也没有看清对方车牌，但是这会到警局备案。
在西方社会，签证官对签证申请也是有错推定，也就是签证申请人自己提供资料，证明自己没有问题，例如没有移民倾向。
Be careful. it would not worth to claim insurance if the loss is less than 1000 because your premium certainly will increase,and at least for the 6 years following, no matter it's your fualt or not in Ontario. more seriously, if you claim frequently, your premium will dramatically increase every time you claim, and eventually, no insurance company will accept you, then you will be in big trouble. this was a personal lesson of one of my friend. Good luck.
同样的事前两天我也经历了 IN GATINEAU 我当时力马就去了车行,并估了价$700左右, 他们建议我马上去保险公司说明情况,我去了后咨询了一下如果要求赔偿是否保险费会涨, 回答我是:不会,但要到警察局要一个NUMBER(我记不得它的名字了),警察会详细的问你车停在那里及车所停的方位(头朝向那里), 然后就把NUMBER给了我. 接下来就打保险公司给我的CLEAN NUMBER电话,说明情况并告知警察给的号码.两天后给我的结果是:同意给我赔偿.又过了两天车行通知我去给车排照片,(照片要寄给保险公司)并预约了一天去修理.
首先我认为你应该及时到保险公司去咨询一下你的情况,(时间不宜拖长)
他们会从你的角度给你一个建议,并会告之你的这个案例直不直赔偿,保险费会不会涨,然后你再定跺.
这只是从我的经历得来的经验,但发生的地点不同,仅供参考.
首先我认为你应该及时到保险公司去咨询一下你的情况,(时间不宜拖长)
他们会从你的角度给你一个建议,并会告之你的这个案例直不直赔偿,保险费会不会涨,然后你再定跺.
这只是从我的经历得来的经验,但发生的地点不同,仅供参考.
1. Both Ontario and Quebec have no-fault insurance policy. But the 'no-fault' has nothing related to the drivers. It is only important for an insurance company dealing with other insurance companies.
2. Be careful, even though you ONLY inquire any information regarding to an accident and give your policy number information to the insurance company, the insurance premium may be increased next year as well. i.e. not claiming the insurance but just inquire.
Believe it or not? It is a well-known fact from many drivers who encountered accidents in Ontario.
3. In Ontario, the auto insurance companies are all private. Thus, fairness is not available.
If you want a fairness, you'd better live and drive in BC (for example) because there is only 1 auto insurance company over there. i.e. the provincial auto insurance company.
4. "You will be informed whether it is worth to make a claim to insurance company". It is true if you talk to the insurance broker/reseller but not the insurance company directly.
If you talk to the insurance company, don't trust the insurance agent/operator who replied to you. They are not the people who decide whether you are faulty or not. Normally, you will receive a letter explainning whether it is your 100%, 50% or 0% fault a month after your car is repaired.
