2013-5-4

关于车险的介绍 （TD Monnex 为例）

说实话，我也一直对车险懵懵懂懂的，但是随着时间的积累，倒是了解得越来越多了。因为每年renew的时候，也都要比价格，然后打电话。

今年就又把这些信息整理了一下。

加拿大的车子没有保险是不能上路的，买车的时候如果没有保险可以过户，但是不能上路。上牌的两个条件，一个是有保险，一个是有尾气测试通过。

车险主要包括三种，（下面我以TD Monnex的车险为例子）

1. 最主要的也是必须的，通常我们叫third party. 就是第三者责任险。

Liability Limit: 这个一般是选择1百万。

Liability insurance provides coverage for you if someone else is injured or killed. It also provides coverage if their property is damaged as a result of an automobile accident.

Ontario has a "no-fault" car insurance system. This means that if you are injured or your car is damaged, then you deal with your own insurance company, no matter who is at fault. You don't have to go after the at-fault driver for compensation.

If you are legally responsible for an accident, then you are also legally responsible for the damages. If you are uninsured, you will be charged with driving without insurance, and you may be fined. You may also have your driver's licence suspended until you have made satisfactory arrangements to pay the amount owing.

 包含下面的内容。

 Mandatory coverage (included with all vehicles) 这部分是必须包含的。

Accident benefits

Accident Benefits coverage provides for you and your family if you are injured or killed in an automobile accident.

Accident Benefits provide income replacement for persons who have lost income as well as payments to non-earners who are not able to carry on a normal life; payment of care expenses to persons who can no longer act as a primary caregiver for a member of their household; payment of medical, rehabilitation and attendant care expenses; payment of funeral expenses and payments to survivors of a person who is killed.

Uninsured Motorist Coverage (Ontario)

Provides coverage for you if you are in an accident with an at-fault, uninsured driver who is identified at the scene of the accident.

Direct Compensation - Property Damage

This coverage is mandatory in Ontario. In case you are involved in a car accident where you are not at fault, it covers you for damage to your car and any of your property inside the car.

In Ontario, a deductible can be added to this coverage. Adding a deductible is only possible by phone.

Direct Compensation - Property Damage

This coverage is mandatory in Ontario. In case you are involved in a car accident where you are not at fault, it covers you for damage to your car and any of your property inside the car.

In Ontario, a deductible can be added to this coverage. Adding a deductible is only possible by phone.

Family Protection (No. 44)

Family Protection Coverage provides coverage for you and your family from the actions of an at-fault, underinsured driver. If you are travelling in a province or a state where the mandatory liability coverage is low, Family Protection coverage ensures that you and your family are covered if you are injured in an accident up to your own policy's limits regardless of the other person's coverage levels.

如果驾驶员只有一个的话就没有这项，但是TD也很有意思，有的时候加驾驶员不加钱，有的时候又要加钱的。

2. Comprehensive Coverage

这个在另外一篇文章里有更详细的介绍。链接

Comprehensive coverage protects your car against risks that are not covered by Collision coverage. This would include falling or flying objects, missiles, vandalism and theft.

这个也有垫底费的。

3. Collision coverage，就是车子损坏后用来维修车子的。当然买保险的时候就会问你deductible （垫底费），一般中国人选1000，老外选500. 

 Collision coverage protects your vehicle if it is damaged in an accident. This coverage is optional because it is not required by law in all provinces. The cost of insuring some older vehicles for collision could be higher than the value of the vehicle itself - that's the main reason why some people choose not to purchase Collision coverage.

Collision coverage, which is optional when you buy auto insurance, covers the cost of repairing the insured vehicle if it is damaged in a collision or upset (an upset refers to a car that has been overturned). 

 It covers damage to your car when your car hits, or is hit by, another vehicle, or other object. Your insurance will cover the cost of repairs to fix your vehicle, less the amount you choose as your deductible.

 一般如果三种保险都买的话，叫全保，只买第一种的叫三保。三保是价格最便宜的了。这三者第一种是必须包含的，2和3是可选的。但是如果是下面类型的车除外。

Leased or financed vehicles

If your car is financed, most banks or leasing companies require that you purchase both collision and comprehensive coverage for your vehicle. Please check whether this condition is required in your financing agreement contract.

如果是lease的车或者是贷款没有还清的车，保险公司会要求你必须买全保的。

New cars

If your car is less than 2 years old, we will not want to insure you without comprehensive and collision coverage. This is because the value of your vehicle is still fairly high and you'd stand to lose a lot of money if you did not have accident or theft coverage.

新车（2年内），也要求买全保。

另外保险公司还有一些其他可供选择的类型。

 Grand Touring Solution®

For one very affordable premium, you can increase your automobile coverage by adding Grand Touring Solution®, which features five practical advantages:

Grand Touring Solution® waives your deductible, up to $500, in case of a hit and run, as long as you have reported the accident to the police within 24 hours. This also applies if your vehicle is declared a complete loss.

With Grand Touring Solution®, borrowed cars driven by dependent children are covered.

Grand Touring Solution® extends coverage to include damage to rented or borrowed vehicles, up to $100,000 subject to a deductible of $250.

Finally, Grand Touring Solution® allows for the reimbursement of rental fees, up to $5,000, for a replacement car of the same type as your own if damage to the latter requires extended repairs.

Coverage for emergency road service: allows for the reimbursement of towing and emergency expenses up to $50.

如果经常要去美国的话可以考虑。 

Tort Deductible

A Tort deductible is the amount that is deducted from a settlement or court award for pain and suffering. 

The new Tort Deductible endorsement allows you to reduce the deductible associated with court-awarded compensation for pain and suffering to $20,000 from $30,000, and for Family Law Act claims* to $10,000 from $15,000. This endorsement is transferrable.

If you are interested in purchasing this option please call 1 866 442 4249 to speak to one of our analysts.

*Family Law Act deals with the right of dependants to sue in tort.

Optional Accident Benefits

This coverage is only available by phone. It allows you to increase the Accidents Benefits coverage limits.

Accident Benefits coverage provides for you and your family if you are injured or killed in an automobile accident.

Accident Benefits provide income replacement for persons who have lost income as well as payments to non-earners who are not able to carry on a normal life; payment of care expenses to persons who can no longer act as a primary caregiver for a member of their household; 

payment of medical, rehabilitation and attendant care expenses; payment of funeral expenses and payments to survivors of a person who is killed.

下面是我只选择三保（最低保费）时包含的保险内容：

27 Liability for damage to non-owned automobile of $20,000

Liability for damage to non-owned automobile

What it means:

With this coverage, you, your spouse and anyone listed in the policy as a driver may be covered, up to a specified limit, for damage to rented or borrowed vehicles, anywhere in Canada and the U.S.

Example:

• While on a two-week vacation in Florida, you hit a concrete barrier when driving a rental vehicle. You are covered for damages to that vehicle up to the amount of insurance mentioned in the endorsement.

Liability: 

Bodily Injury Limit: $1,000,000

In the event of an accident in which you or another insured party is legally responsible for the injuries or death of a person, your insurer will protect you from and settle any resulting claims, subject to the conditions and limits of your insurance policy.

Property Damage-Included

In the event of an accident in which you or another insured party is legally responsible for property damages caused to another person, your insurer will protect you from and settle any resulting claims, subject to the conditions and limits of your insurance policy.

Accident Benefits-Included

If you or any other person entitled to benefits under this coverage is in an accident, regardless of who is at fault, this may cover a portion of such expenses as:

• medical expenses

• rehabilitation expenses such as physiotherapy

• attendant care

• income replacement

• funeral expenses

• death benefit

Application forms will be provided to assist you with your accident benefits claim which will be processed within the policy time limits.

 Examples:

• You break a leg in an accident and need rehabilitation. Rehabilitation and other medical costs may be covered as a supplement to any basic health insurance you already have, subject to your insurance policy limits.

• A vehicle loses control, hitting your vehicle and injuring you. If you carry insurance, your loss of income from employment may be covered, subject to your insurance policy limits.

Uninsured Motorist-Included

If You are injured or killed by an uninsured automobile whose owner or driver cannot be identified or Your vehicle is damaged by an automobile for which the owner or driver is identified but uninsured, You are covered for losses you would have been legally able to recover from the owner of the responsible vehicle, subject to policy deductible and limits, and only to the degree to which you were not responsible for the accident.

 Example:

• An identified but uninsured truck runs into the side of your parked ATV at the campground

 Note: Material damage caused by a hit and run is not covered under this section unless the driver or owner is identified.

就是说如果撞你车的人跑了，或者说撞你车的人没有保险，那么这个时候TD是会来承担的。

Direct Compensation - Property Damage Deductible: $0

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.

44 Family protection-Included (这个是因为家里有两个驾驶员或以上才有这个，如果只有一个驾驶员的话就没有这个）

With this coverage, benefits have been added to cover you when an at-fault motorist does not have sufficient insurance to pay your claim.

 More info:

This coverage provides you with additional benefits when you have a claim against another motorist for injuries or death, and the other motorist does not have sufficient insurance to pay the claim.

 Example:

• You are paralyzed due to an automobile accident. You have an insurance policy that provides $1,000,000 in third-party liability coverage. The at-fault driver carries $200,000 in third-party liability coverage. You are awarded $950,000 in damages. Of this amount, only $200,000 is recoverable from his driver’s insurance. With Family Protection coverage, you are paid the difference between the amount of the judgment and the amount paid by the at-fault driver’s policy, or $750,000.

Loss of Damage下有四项。

Specified Perils (excluding Collision or upset), 如果买了Comprehensive Coverage就有这个。

Comprehensive (excluding Collision or Upset) 如果买了Comprehensive Coverage就有这个。

Collision or Upset 如果买了Collision coverage 就有这个。

All Perils 如果买了Collision coverage 就有这个。

 还有个新发现就是，在TD  Monnex买的保险，从网站上可以看到详细的信息。

在TD Monnex网站上可以登录，并且如果你已经有TD的网上银行的话，不用另外注册用户，直接用TD的easyweb账号和密码就可以登录了。地址是：

https://myinsurancecpo.td.com/waw/idp/login.htm?execution=e2s1

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我尝试了一下打算去掉Comprehensive Coverage, 结果只能是提交request， 并不能真正的直接去除。但是如果是修改地址电话等应该是可以直接在线修改的。