紧急求助！！！

[guest]

紧急求助！！！今与一老外开的宝马轻蹭。

我在公园内欲从右道换左道以便进入停车场，但后面杀出一宝马540i，从我左侧开过。我在车内没有任何刮曾的感觉，但对方在我前方停下，他指出他的右后尾箱有两道浅划痕。我下车一看，我车保险杠的左前角有两小块擦痕。当时就有一人从停在我后面的车上下来为那宝马当证人；后又有一证人，是路过的车，那开车的好象认识这开宝马的。

我现在还在等着路考，所以拿的是临时的驾照。由于是头一次出事，当时也不知该做什么，任由对方记下了驾照、车牌、住址、电话、保险单...他当时还给ICBC 报了事故。ICBC 认为责任在我，因为他直行，我应让他先过。

请问大侠们，
1。估计他的车需多少银子修？这钱得我出啊。
2.听说ICBC 对拿临时驾照的不理赔或很难获得理赔，即使上了第三者保险，是否属实？

多谢各位的帮忙！这个周末看来又过不好了... 唉

 

[keen_observer]

1. If this is only scratch, no dent and other damage, then $300-$400 for re-sparying should be enough.

2. Please refer to your BC RoadSense for Drivers for procedure when you are in accident scene. Normally, both parties exchange insurance information, driving licence, and telephone number. If there are witness,get their name and phone number as well.

3. If you are holding a Class 7 learning license, you must be accompanied by a supervisor who is 19 or older and has a valid B.C. driver's licence (Class 1, 2, 3, 4 or 5). He or she must sit beside you in the front passenger seat.
You may drive only between 5 a.m. and midnight.
When you're driving, you must display a red L (learner) sign. The sign alerts others that you're a new driver so they can give you more space.

3. Not sure if ICBC with reimburse your loss aginst others, you should check with them for confirmation or visit: www.cibc.com for more information.

 

[guest]

谢谢KEEN,我是5级的L驾照，不是7级的。情况会不同吗？具体怎样？

 

[keen_observer]

最初由 新年前的倒霉蛋儿 发布
谢谢KEEN,我是5级的L驾照，不是7级的。情况会不同吗？具体怎样？

If you are holding a Class 5 license, then you should have no problem getting insurance coverage; that means ICBC will pay for repair of the other car involved ion the accident. However, please verify this with ICBC. Please note that if this accident is your fault, and you wish ICBC pay for the repair, then ICBC will increase your insurance premium.

Whether you are going to settle this claim outside of ICBC or get ICBC to pay for it, I would suggest you to contact ICBC for this accident and have the ICBC to assess repair cost on other vehicle. Once you found out of the cost of repairing the other vehicle, you will have an option to settle this claim on your own or have ICBC to pay for the repair cost. If you want to settle this claim on your own, then ICBC will not increase your insurance premium; if you want ICBC pay for the repair cost of the other vehicle, then ICBC will increase your premium. I am not sure if ICBC still giving this claim option, please call ICBC to verify this.

Please also note that the Third party liability insurance will not cover the repair cost of the vehicle at fault.

I gave a you wrong link in my previous reply, the right one is:
www.icbc.com, please look for Cliam & Repair in the webpage.

Happy New Year

 

[guest]

Thank you so much, KEEN.

I received a letter from ICBC, it says,
"Please be advised that we will pay 100% of any insured claim payments resulting from this accident under your insurance policy. This means your position on the Claim-Rated Scale will change and your preium will increase when you renew your policy.
If the amount of the claim paymnet is not too much, you may want to repay ICBC for the total cost of the claim.Should you choose this option, the accident will not affect your future premiums."

我将问清楚到底需赔多少，再比较保费会涨多少后，决定如何处理。你说不付修理费是怎么回事？如不包括，那还有什么赔的（人除外）？再谢帮忙！

 

[keen_observer]

According to the ICBC statement, ICBC will pay for 100% of the repair cost. When you renew your insurance after expiration, ICBC will increase your insurance premium; that means you will need to pay more money for the same insurance.

The Claim-Rated Scale works like this. If there is no claim against your insurance policy for 1 year, ICBC will give you 10% discount in the next year. And ICBC will keep give additional 10% discount on each year to the maximum of 40% off the regualr premium. However, if you have a accident claim against your policy (that mena the accident is your fault), ICBC will increase your insurance premium from 20-50% depending on the total amount of repair or damage cost.

Yor are right, once ICBC pay out the repair cost, they will inform you the total cost, and the amount of insurance premium will be increased on your policy. Then you can make a decision whether you want to repay ICBC for the repair cost or not. If you repay ICBC, they will not increase your insurance premium, and they will give you 10% off when you renew your insurance.

I was under the assumption that you only have Third Party Liability insurance.
Third party Liability insurance only cover the damage of the other vehicle and driver involved in the accident, and this Third party liability will not cover you if you are at fault.

If you have Collision coverage (insurance), then you will be covered even it is your fault.

the other type of insurance if called Comprehensive, comprehensive insurance covers theft, hit&run, rock chip, parking lot dent, broken windshild, break in, and etc...

Did I answer your question?

 

[guest]

我怎么觉得象"碰瓷儿"的???????????

 

[guest]

YES,KEEN, YOUR ANSWER IS REALLY CLEAR. THANK YOU SO MUCH!
今给ICBC 去了电话，他们说我的保费会涨75％。再下一年涨55％，然后40％，第四年回到原始保费。
对方是在一私人保险公司投保，还未给ICBC任何ASSESSMENT REPORT OR REPAIR COST BILL, 所以ICBC 让俺等着，还提醒我人家可是1997年的BMW.我感觉有点儿歧视的味道。

感觉碰瓷的朋友，对方是一公司的CEO,住西温，就算是碰瓷，对他有什么好处？愿闻其详。

 

[keen_observer]

最初由 新年前的倒霉蛋儿 发布
YES,KEEN, YOUR ANSWER IS REALLY CLEAR. THANK YOU SO MUCH!
今给ICBC 去了电话，他们说我的保费会涨75％。再下一年涨55％，然后40％，第四年回到原始保费。
对方是在一私人保险公司投保，还未给ICBC任何ASSESSME...

You are welcome, hope everything works out for you.