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安省汽车保险和车祸处理
米娅 2009年11月8日 15:03:46

按:  一直在注意看汽车相关的东西,为有辆车作功课,特别是最近有朋友出了车祸,贴个原版保险介绍。另外,如果在CAA注册了的话,据说200元的拖车费可以找CAA报销,另外,拖到的地方可能收你50刀停车费,所以,有的直接就拖到报废厂去了。据说,汽车保险可以办暂停。都是据说,还没实践过。

下面摘自安省保险事务委员会(ONTARIO INSURANCE COMMISSION)官方网站,中文是我的翻译 : http://www.fsco.gov.on.ca/english/insurance/auto/undautoins.asp#basicInsPolicy

What's in a Basic Automobile Insurance Policy?

基本保险

If you own a vehicle in Ontario, you are required to, at the very least, purchase the following automobile insurance coverage:

如果您在安大略有一辆机动车,下面的保险您是一定要买的:

Third-Party Liability Coverage(第三方保险):

This section of your automobile insurance policy protects you if someone else is killed or injured, or their property is damaged. It will pay for claims as a result of lawsuits against you up to the limit of your coverage, and will pay the costs of settling the claims. By law you must carry a minimum of $200,000 in Third-Party Liability coverage.

这个保险在有其他人被撞死或者受伤或者他们的财产受损失保护你。它会支付依法裁决的您应支付的部分,最高达到您保费的限额,并且支付安置费。法律规定,您必须购买至少20万的第三者保险。

Statutory Accident Benefits Coverage(事故津贴):

This section of your automobile insurance policy provides you with benefits if you are injured in an automobile accident, regardless of who caused the accident including supplementary medical, rehabilitation, attendant care, caregiver, non-earner and income replacement benefits.

这个保险在您在车祸中受伤时提供津贴,包括医疗补助、复原、照顾、照顾者、无收入、收入替代津贴,无论责任方是谁。

Direct Compensation - Property Damage (DC-PD) Coverage(直接损失险):

This section of your automobile insurance policy covers damage to your vehicle or its contents, and for loss of use of your vehicle or its contents, to the extent that another person was at fault for the accident. It is called direct compensation because even though someone else causes the damage, you collect directly from your own insurer, instead of the person who caused the damage.

在车祸中其他人有责任时,这个保险赔付您的机动车的或者车内的财物的损失、以及由这些损失造成的损失。之所以叫直接损失险,因为您直接从您的保险公司得到赔偿,而不是找造成损失的人要钱。

Note: Coverage under the DC-PD section of your automobile insurance policy only applies if the following conditions are met:

  • the accident took place in Ontario;
  • there was at least one other vehicle involved in the accident; and
  • at least one of the other vehicles is also insured by an insurance company that is licensed in Ontario or has signed a special agreement with FSCO to provide this coverage.

If these conditions are not met, then you can make a claim on your optional Collision coverage (if you have it), whether or not you are at fault. If you don't have Collision coverage, you may be able to pursue recovery from the at-fault driver to the extent you were not-at-fault for the accident.

Uninsured Automobile Coverage(无保险车辆险):

Protects you and your family if you are injured or killed by a hit-and-run driver or by an uninsured motorist. It also covers damage to your vehicle caused by an identified uninsured driver.

在您或者您的家人被无保险车辆撞死或撞伤时保护您,也包括您的汽车的损失。

下面是其他一些保险,据说新车要买全保,不知道除了上面基本四险还有那些。 

Increasing Your Liability and Accident Benefits Coverage

提高您的可靠性和事故津贴保险覆盖面

In addition to the mandatory minimum coverages that are required by law, you may purchase higher liability limits under your Third-party Liability coverage, as well as increased Accident Benefits coverages.

Your insurance representative will be able to help you decide what level of coverage is best for you.

Increased Third-Party Liability Coverage:

While you are legally required to carry a minimum of $200,000, you may want to increase this coverage. The cost to increase your Third-Party Liability coverage to $1 million or $2 million is small in most cases.
Optional Accident Benefits Coverages:

You may also want to consider increasing your Statutory Accident Benefits coverage by buying any or all of the optional benefits listed below.

Income Replacement Benefits: If you cannot work as the result of an automobile accident, you may be eligible for basic weekly income replacement benefits of up to $400. If this is not enough to cover your current after tax income level, you may want to consider buying optional income replacement benefits to increase your maximum weekly protection to $600, $800 or $1,000.

Medical, Rehabilitation and Attendant Care Benefits: The standard maximum amount for medical and rehabilitation expenses, such as physiotherapy, chiropractic treatment, dental expenses, etc., is $100,000. If you are catastrophically injured, the standard maximum is $1,000,000. The standard maximum for attendant care is $72,000. If you are catastrophically injured, the standard maximum is $1,000,000. You can buy optional benefits which will cover up to $1,172,000 in additional medical, rehabilitation and attendant care expenses, and up to $3,000,000 for catastrophic injuries.

Caregiver Benefits: If you are providing care full-time to dependants and can no longer provide that care as the result of an automobile accident, you may be eligible for caregiver benefits if you need to hire someone to care for your dependants. The standard maximum amount for caregiver benefits is $250 per week for one dependant, plus $50 per week for each additional dependant. If you buy optional caregiver benefits, the coverage increases to $325 per week for one dependant, plus $75 per week for each additional dependant.

Dependant Care Benefits: You can only claim optional dependant care benefits if you were employed at the time of the accident, are not receiving a caregiver benefit, and have to pay for additional childcare expenses as a result of the accident. Optional dependant care benefits cover up to $75 per week for the first dependant and $25 for each additional dependant.

Death and Funeral Benefits: In the event that you die as a result of an automobile accident, the standard amount which will be paid is $25,000 to your eligible spouse or same-sex partner, $10,000 for each dependant, and a maximum of $6,000 for funeral expenses. If you buy optional benefits, you can increase these amounts to $50,000 to your eligible spouse or same-sex partner, $20,000 for each dependant, and $8,000 for funeral expenses.

Before you purchase any of these coverages, check to see if you have these benefits available to you at work or elsewhere. If they are, you may not need to buy optional benefits.

Extra Coverage for Loss or Damage to Your Vehicle

In addition to the basic policy coverages you may also buy extra coverage for loss or damage to your vehicle including:

Specified Perils Coverage:
This coverage pays for losses caused by one of the following perils: fire; theft or attempted theft; lightning, windstorm, hail, or rising water; earthquake; explosion; riot or civil disturbance; falling or forced landing of an aircraft or parts of an aircraft; or the stranding, sinking, burning, derailment or collision of any kind of transport in, or upon which an insured vehicle is being carried on land or water.
Comprehensive Coverage:

This coverage pays for losses, other than those covered by Collision or Upset, including perils listed under Specified Perils, falling or flying objects, missiles and vandalism.

Collision or Upset Coverage:
This coverage pays for losses caused when an insured vehicle is involved in a collision with another object, including another vehicle, or rolls over. "Object" includes: another vehicle or a trailer that is attached to the vehicle that is covered by your insurance policy; the surface of the ground, and any object in or on the ground.
All Perils Coverage:
This combines Collision or Upset and Comprehensive coverages. In addition, it covers loss or damage caused if a person who lives in your home steals the vehicle that is covered by your insurance policy. All Perils also covers you if an employee who drives or uses, services or repairs that vehicle, steals it. For example, if you take your vehicle to a garage for repairs and an employee involved in the repair of your vehicle steals it, All Perils would cover you.

Note: A deductible may apply to all of the above coverages.

Other Optional Enhancements to Your Coverage

Additional optional enhancements, also known as policy endorsements or Ontario Policy Change Forms (OPCF), are special agreements that allow you to change, add or reduce the amount of coverage for certain situations.

The four most common policy endorsements are:

Rented or Leased Vehicles (OPCF 5):
This endorsement extends coverage to a vehicle that you drive, but that is owned by a leasing company.
Loss of Vehicle Use (OPCF 20):
This coverage covers the cost of a rental vehicle while your vehicle is being replaced or repaired, if the damage or loss is caused by a peril for which you are insured.
Liability for Damage to Non-Owned Automobile(s)
(OPCF 27):
This endorsement provides physical damage coverage to vehicles that you may operate but do not personally own – such as a vehicle that you have rented or borrowed – subject to a deductible.
Removing Depreciation Deduction (OPCF 43):
This coverage removes the insurer's right to deduct depreciation from the value of your vehicle when settling a claim for loss or damage caused by a peril for which you are insured.
Family Protection Coverage (OPCF 44R):
This coverage protects you, or an eligible member of your family, to the same limits as your Third-Party Liability coverage if you are involved in an automobile accident where you are not at fault, with someone who carries less insurance, no insurance, or is an unidentified driver (e.g., hit and run).

Please keep in mind that these are only some of the many policy endorsements available for purchase. Ask your broker, agent or insurance company which policy endorsements would benefit you.

下面是两个官方网址:

<汽車保險消費者權利法案>
http://www.fsco.gov.on.ca/english/pubs/consumerbrochures/Bill_of_Rights_Chinese.pdf

这是关于保险的:
http://www.fsco.gov.on.ca/english/insurance/        


2楼 2010年1月30日 14:21:44 米娅

有两个问题:
第一个,现在买了二手车,为了省钱一般只卖基本的四险。假定出门坐朋友的车,如果是朋友的错出了车祸,好像是用第三方保险;如果是被无保险车辆撞了,无保险车辆险保的是“您或者您的家人”,并不包括“我”呀。怎么回事?
第二个,就是学车时教练一般都给学生买保险,所以有种说法跟着普通人练车没买保险比较危险,不知道具体是怎么回事。怎么鉴定车有没有学生险呢?学生险和普通的车保有什么区别呢? 

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