米娅 2009年11月8日 15:03:46
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
If you own a vehicle in Ontario, you are required to, at the very least, purchase the following automobile insurance coverage:
|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.
|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.
|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.
Note: Coverage under the DC-PD section of your automobile insurance policy only applies if the following conditions are met:
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.
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.
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.|
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.
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)|
|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.