- 主题发起人 波罗揭谛
- 发布时间 2014-03-23
我已经argue了很多次了。结论就是无责也要赔钱。一般情况下中国人不会想到有这么不合理的条款存在。所以只有让大家小心了。把保单翻出来看看有没有Direct Compensation Deductible, （注意不是一般的Deductible）. 在网上搜了，大部分人不会选这个条款的。
这就是我们容易受伤害的地方。对当地情况不了解。过于轻信，放松警惕。语言障碍，我问了几乎所有接我电话的客服，没有人自己选这个条款，或是推荐给朋友家人的。
这样看来，俺对英文条款的理解是对的，但是这明显是不合理的条款，不知道是不是安省的土政策，也就是不管有无责任都要出钱，显然权利和义务不匹配。理论上对方全责就应该全付才合理。
讲道理没用的，只能讲证据，合同上列出来的，签了字的，基本上无解。只能签字前搞清楚是上策。
Direct Compensation Deductible貌似是最近才增加的选项，你的policy估计那时还没有；
Comprehensive和collision是常见的所谓全保，如果都non-cover就是所谓的三保了。
不过，对于赔偿责任这个是得搞清楚一点，我们只是笼统的知道三保全保或者增加deductible降低保费，不知道每项责任如何理赔。俺也得回去再好好看看保单。
TD 网站这样写：
Direct Compensation – Property Damage Coverage
What is it?
This coverage applies 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
Examples:
Direct Compensation-Property Damage
Provides coverage in Ontario, under certain conditions, for damage to your automobile and to property it is carrying, when another motorist is responsible. It is called Direct Compensation because you will collect from us, your insurance company, even though you are not at fault for the accident. There may be a deductible amount, and this amount is either paid by you towards the cost of repairs or i deducted from the loss settlement. Higher deductibles may reduce your premium.
而我上面回帖引用的是TD网站My account里的解释。
综上所述，就是where you are not entirely at fault, 也就是自己不是全责的两车以上的事故就各修各车；这就是说两车以上事故自己无责也包括在not entirely at fault里；然后Paper上更明确说了，even though you are not at fault， 根据法律也是你的保险公司负责修车。
Paper是最终解释，只能怪自己没有仔细读，要去argue估计有困难。看来都得回去仔细研究一下，我到现在都没有搞清楚保险理赔的motor vehicle liability policy ，不知道是不是每个公司都一样。
Direct Compensation – Property Damage Coverage
What is it?
This coverage applies 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
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.
Direct Compensation-Property Damage
Provides coverage in Ontario, under certain conditions, for damage to your automobile and to property it is carrying, when another motorist is responsible. It is called Direct Compensation because you will collect from us, your insurance company, even though you are not at fault for the accident. There may be a deductible amount, and this amount is either paid by you towards the cost of repairs or i deducted from the loss settlement. Higher deductibles may reduce your premium.
而我上面回帖引用的是TD网站My account里的解释。
综上所述，就是where you are not entirely at fault, 也就是自己不是全责的两车以上的事故就各修各车；这就是说两车以上事故自己无责也包括在not entirely at fault里；然后Paper上更明确说了，even though you are not at fault， 根据法律也是你的保险公司负责修车。
Paper是最终解释，只能怪自己没有仔细读，要去argue估计有困难。看来都得回去仔细研究一下，我到现在都没有搞清楚保险理赔的motor vehicle liability policy ，不知道是不是每个公司都一样。
Direct compensation里有三栏，deductible， Premium和premium for occasional drivers。 早期的保单默认deductible=0，现在renew或者更改保险时，客服会问这个选项。还有俩选项我都忘了。
最后编辑: 2014-03-24
默认的续保不变，如果打电话的话，客服现在要叨叨三个选项。俺当时也糊里糊涂，凡是降保险的，就多问问，就接受了；凡是涨保险的，就直接no，哈哈。都是后来在my account里或者受到paper以后再研究，这时候觉得不妥的，就赶紧更改。
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