陈立-优质优价汽车保险

被TD保险坑到沟里了,惨痛教训,大家引以为戒!

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两周前老公被追尾了,老公无责,后面的车全责,后车全险。本以为车修好了就没事了,没想到TD告诉我们要付一千块。顿时蒙了。我们为什么要为别人的责任掏1千块。

原因是不小心在保险条款中加了一条,保险单上叫Direct Compensation Deductible,没有解释是什么。它和以前普通的Deductible不一样。也就是说我的保单里同时有两种Deductible.电话里说这是No Fault Deductible. 他们解释说这种情况下,被保人没有责任出了事故也要付最高一千块。而且是每次事故一千,而不是一年一千。这是最近新出的条款。(安省的政策,不知道别的省)

保险是在此一周前续的。电话中的TD客服念了一个小时的条款,以为只是例行公事,没仔细听,晚上很累了,还边听边做家务,就算仔细听,听英文十分钟就疲劳了。

请大家赶快查查保单,或打电话问一下,如果有这条,一定要去掉。除非你能保证没人碰到你。

这是我来加以后最惨痛的教训,大家一定引以为戒,总结为下:

1. 上保险的时候,一定要找个空闲的时间,脑子清楚的时侯,花点时间打电话把条款搞清楚。没搞明白的一定要问,别怕花时间,否则后悔莫及。另外,保险合同上是术语,你不可能看出来这条款是怎么回事。

2. 别被TD客服的好态度迷惑,不定什么时候就给你下个套。保险公司和被保人是天敌。我打电话问过TD的好几个客服,他们没有一个人会把这样的条款推荐给家人朋友。对别人就是见一个宰一个。我竟然天真的认为他们可以信任。把决定权交给了别人。还没搞清楚是什么就迷迷糊糊地应承下来。

3. 别把事情都想当然。我记得电话里似乎提到过有个Deductible。具体怎么说的不清楚。如果她说过No Fault,我一定想到的是撞车逃逸、找不到责任人的情况。我要是当时了解了条款的真象,一定不可能填加这样的条款。脑子里有思维定式,没料到有这么不合理的条款。

4.别贪便宜,没有免费的午餐。如果保险公司告诉你哪个条款可以给你点省保费,先问清楚为什么,多半会有陷井。
 
最后编辑: 2014-03-24
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确实有个赔偿门槛值,但是我也没想到即使自己无责,它也要生效。
 
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TD是什么意思?加国的保险公司实在是太黑!有责无责都要付1000,那还买保险干吗?
 
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我们家也是1000元的Deductable。

你把它去掉,每个月保费会高不少。

看个人选择哪个了。这个不属于欺骗。

Deductible 有两种,你说的应该和我说的不一样。我说的这种是Direct Compensation Deductible, 原来我们没有,我在三周前才不小心加上去的,也就是说我有两个Deductible,以前几年我们都只有普通的Deductible. 我也出了事以后才注意到。保费高不了一点,一个月二十块两辆车。但赔起来特别狠。一次一千。一旦知道有了这种Deductible,开车会特别难受,时刻要防别人撞到自已, 神经受不了。 出事以后我把这个去掉了。只留下了自已有责任的Deductible.
 
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这就是我前段时间发帖说的能省保费的deductible。客服当时告诉我如果选500deductible,可以省十几刀一个月,这就和全保里的comprehensive和collison的deductbile一样,就是承担一部分保险公司该付的款项来降低保费。

这个不能说TD黑,只能说以后保险回答Y/N一定要搞清楚,而且后来寄来的policy paper上都要仔细阅读。这次我quote的时候,电话里客服就给了我三个选项,以前quote都没有这个选项。

对于这个选项是不是值,根据自己情况选,一年省130刀,去拼500刀deductible,而且历史记录比较好的,个人觉得还是比较值。
 
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j
这个不是自己责任也要出钱

理解不了
就是当两车以上事故中都有责任时,安省规定各修各车,自己保险公司负担自己修车费。如果自己选了自付1000刀,TD就给降低一定的保费。

Direct Compensation – Property Damage
What it means:
If you are the owner of a vehicle and you are involved in an accident in Ontario where you are not entirely at fault, and at least one of the other vehicles involved is insured under a motor vehicle liability policy issued by an insurance company licensed in Ontario, your insurer will pay you for repairs to your vehicle and its contents and compensate you for loss of use of your vehicle. The amount payable will be determined by the degree to which you were not at fault.
Examples:
• A car backing out of a driveway hits you as you are driving past.
• You are rear-ended at an intersection as you wait for the light to change.
• Your vehicle is parked in your driveway when a car loses control and hits it.
• If you and the other party are deemed equally responsible, you will receive half of your damages directly from your own insurance company.
 
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j

就是当两车以上事故中都有责任时,安省规定各修各车,自己保险公司负担自己修车费。如果自己选了自付1000刀,TD就给降低一定的保费。

Direct Compensation – Property Damage
What it means:
If you are the owner of a vehicle and you are involved in an accident in Ontario where you are not entirely at fault, and at least one of the other vehicles involved is insured under a motor vehicle liability policy issued by an insurance company licensed in Ontario, your insurer will pay you for repairs to your vehicle and its contents and compensate you for loss of use of your vehicle. The amount payable will be determined by the degree to which you were not at fault.
Examples:
• A car backing out of a driveway hits you as you are driving past.
• You are rear-ended at an intersection as you wait for the light to change.
• Your vehicle is parked in your driveway when a car loses control and hits it.
• If you and the other party are deemed equally responsible, you will receive half of your damages directly from your own insurance company.
现在理解了

你的保险公司出钱了 你就得出低于1000的部分
 
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这就是我前段时间发帖说的能省保费的deductible。客服当时告诉我如果选500deductible,可以省十几刀一个月,这就和全保里的comprehensive和collison的deductbile一样,就是承担一部分保险公司该付的款项来降低保费。

这个不能说TD黑,只能说以后保险回答Y/N一定要搞清楚,而且后来寄来的policy paper上都要仔细阅读。这次我quote的时候,电话里客服就给了我三个选项,以前quote都没有这个选项。

对于这个选项是不是值,根据自己情况选,一年省130刀,去拼500刀deductible,而且历史记录比较好的,个人觉得还是比较值。

刚看见了你的贴子。在我看来,这是很不划算的,因为别人的过错自已是没办法避免的。你说的这点很对,一定要搞清楚再决定。
 
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j

就是当两车以上事故中都有责任时,安省规定各修各车,自己保险公司负担自己修车费。如果自己选了自付1000刀,TD就给降低一定的保费。

Direct Compensation – Property Damage
What it means:
If you are the owner of a vehicle and you are involved in an accident in Ontario where you are not entirely at fault, and at least one of the other vehicles involved is insured under a motor vehicle liability policy issued by an insurance company licensed in Ontario, your insurer will pay you for repairs to your vehicle and its contents and compensate you for loss of use of your vehicle. The amount payable will be determined by the degree to which you were not at fault.
Examples:
• A car backing out of a driveway hits you as you are driving past.
• You are rear-ended at an intersection as you wait for the light to change.
• Your vehicle is parked in your driveway when a car loses control and hits it.
• If you and the other party are deemed equally responsible, you will receive half of your damages directly from your own insurance company.

问题是我方零责任,也要出个钱。而不是你说的按比例掏钱。
 

jjsheng

恢复矿工啦。
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看贴不仔细

12楼不是说了吗

谁的保险公司负责谁的费用
人家楼主说自己无责,双方有责的情况下各修个人的车才会需要楼主出钱,如果楼主所述属实,楼主就不应该出钱,因为无责,对方全责的话应该对方付。
俺的理解不一定对,但是从英文条款看是说如果你不是全责情况下(包含有点责任和彻底无责),你也要出钱的。这样的话,也就是说双方有责,要出钱。可是己方无责呀要出钱似乎不合理呀。
 

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