请教:一个关于保险的问题

[Tom_Monkey]

请教:一个关于保险的问题

若是我撞了别人的车(不厉害,约$500),让保险公司付,明年我的保险会涨多少?还是我自己付,合算些?

急等,谢谢!!

 

[迷途羔羊]

自己付划算

 

[悠着点]

当然不claim, 要自己付.

 

[Tom_Monkey]

Thank you for the reply. However, they need cash or certified cheque($600) instead of paying bill. The sratch is minor and I never have the bad record with my insurance. Should I go through insrance or pay cash to them. I doubt if they wil fix their car.

Thanks,

 

[CanChn]

最初由 Tom_Monkey 发布
Thank you for the reply. However, they need cash or certified cheque($600) instead of paying bill. The sratch is minor and I never have the bad record with my insurance. Should I go through insrance or pay cash to them. I doubt if they wil fix their car.

Thanks,

If it is only $600 you may pay for them since if you claim to insurance company you need to pay deduction first ($500 or so) then insurance company will pay off the rest. However, your fee of next year may jump up of $1000 more.

 

[油画批发零售]

pay yourself, not go throgh insurance company

 

[dkwan]

remcommended not go thru insurance company,

since most of the people has 500$ deductible. You have to paid it first, and insurance company covers the rest.

Some insurance has a quite nice policy, is you can have 1 claim in 2 years without affect your policy.

Generally, not recommended

 

[Tom_Monkey]

Thank you again. I am just wondering why I have to pay $500 as I don't plan to repair my car. If his car is repaired, I think my insurance will pay deduction part($500), not I pay for it, is it right?

Thanks,

 

[铁兰]

最初由 Tom_Monkey 发布
Thank you again. I am just wondering why I have to pay $500 as I don't plan to repair my car. If his car is repaired, I think my insurance will pay deduction part($500), not I pay for it, is it right?

Thanks,

No, you have to pay the first $500 no matter if it is your car or other party's.

 

[ruger]

did you give the other party your insurance No.?

Will the other party make a claim to his insurance company as well? Did you give the other party your insurance No? If he will and you gave your no. to him, no matter you make a claim or not, your rate might be influenced, since the other party's insurance company might inform yours of the accident.
If the other party won't claim, you have a chance of fixing the car on your own and not to inform your ins company.
Anyway, legally, no matter what you will do, you have the responsibility to report any accident you have to your insurance company even if you are not claiming. Well, not many people do it then.
Good luck.