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今天找到了关于汽车保险的有关的基本术语,奉献给大家,内容不多而且简单,愿意和大家一起来理解和分享。(二)

本文发表在 rolia.net 枫下论坛六。Finding fault

In Quebec and Ontario, charts or rules are used to determine fault or responsibility for "Direct Compensation -- Property Damage" claims, but not for injury claims. Ontario Insurance Act Regulation 668: Fault Determination Rules contains examples of common types of collisions and describes how fault is assigned for insurance purposes. In some other jurisdictions, insurers use inter-company "settlement" charts; these are not legally binding on the policyholder, however.

Owners of cars with drivers who are at fault (or partially at fault) in a crash often must pay higher insurance premiums if the policy is renewed. However, the insurance company may be unwilling to renew the policy if there are Criminal Code convictions and/or frequent at-fault claims.

The circumstances of a collision may show that more than one driver was negligent. Each driver's insurance company may then become involved in the settlement based on the degree of responsibility attributed to each person. If there is a dispute about responsibility, court action may be required to resolve it.

七。"No-fault"

Insurance which pays for some or all of the insured person's loss, no matter who caused it, is often described as "no-fault" coverage. Despite its name, it really does matter who caused the damage, because if you are at fault, your insurance premiums may increase.

八。Premium


An insurance premium is the money the policyholder pays to the insurer for financial protection against specific risks for a specific timespan. Unlike the premiums for many forms of life insurance, property and casualty insurance premiums are not intended to produce a reward other than financial peace of mind.

九。Claim

An insurance claim is the exercising of the right of an insured person to be reimbursed by his or her insurance company for certain financial losses suffered. It can be any notification of a possible loss under an insurance policy whether or not any payment is likely to follow. For every claim that is reported, the insurance company must set aside reserves equal to its anticipated cost.

十。Deductible

The deductible is the portion of the insured loss that you pay; the amount appears on your policy. A common collision deductible is $300. This means that you would pay $300 of any repair bill and your insurance company would pay the balance. Any damage that costs less than $300 would therefore be your own responsibility. Because cars are susceptible to frequent minor damage, it is generally more cost-effective for policyholders to "self-insure" in this way for smaller mishaps; this helps to keep premiums affordable.

There is no deductible in the case of fire or lightning or (except under Quebec policies) for theft of the entire automobile. Deductibles may apply to other types of physical damage coverages.

If a collision was not your fault, your insurer may try to recover the money it has paid, as well as your deductible (which it will refund to you), from the person responsible for the accident (except where insurers are prevented from doing so by law, as is the case in Ontario and Quebec). In these two provinces, under Direct Compensation, you will recover the portion of your deductible, to the extent that the other driver was at fault, from your own insurer.

十一。Fraud

If someone tries to gain by deliberately lying to an insurance company about even part of a claim, he or she forfeits the right to payment for the whole claim. Fraud increases everyone's insurance costs. To help keep down costs for honest policyholders, insurers prosecute those who make fraudulent claims.

全文完。更多精彩文章及讨论,请光临枫下论坛 rolia.net
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Replies, comments and Discussions:

  • 枫下家园 / 爱车一族 / 今天找到了关于汽车保险的有关的基本术语,奉献给大家,内容不多而且简单,愿意和大家一起来理解和分享。(二)
    本文发表在 rolia.net 枫下论坛六。Finding fault

    In Quebec and Ontario, charts or rules are used to determine fault or responsibility for "Direct Compensation -- Property Damage" claims, but not for injury claims. Ontario Insurance Act Regulation 668: Fault Determination Rules contains examples of common types of collisions and describes how fault is assigned for insurance purposes. In some other jurisdictions, insurers use inter-company "settlement" charts; these are not legally binding on the policyholder, however.

    Owners of cars with drivers who are at fault (or partially at fault) in a crash often must pay higher insurance premiums if the policy is renewed. However, the insurance company may be unwilling to renew the policy if there are Criminal Code convictions and/or frequent at-fault claims.

    The circumstances of a collision may show that more than one driver was negligent. Each driver's insurance company may then become involved in the settlement based on the degree of responsibility attributed to each person. If there is a dispute about responsibility, court action may be required to resolve it.

    七。"No-fault"

    Insurance which pays for some or all of the insured person's loss, no matter who caused it, is often described as "no-fault" coverage. Despite its name, it really does matter who caused the damage, because if you are at fault, your insurance premiums may increase.

    八。Premium


    An insurance premium is the money the policyholder pays to the insurer for financial protection against specific risks for a specific timespan. Unlike the premiums for many forms of life insurance, property and casualty insurance premiums are not intended to produce a reward other than financial peace of mind.

    九。Claim

    An insurance claim is the exercising of the right of an insured person to be reimbursed by his or her insurance company for certain financial losses suffered. It can be any notification of a possible loss under an insurance policy whether or not any payment is likely to follow. For every claim that is reported, the insurance company must set aside reserves equal to its anticipated cost.

    十。Deductible

    The deductible is the portion of the insured loss that you pay; the amount appears on your policy. A common collision deductible is $300. This means that you would pay $300 of any repair bill and your insurance company would pay the balance. Any damage that costs less than $300 would therefore be your own responsibility. Because cars are susceptible to frequent minor damage, it is generally more cost-effective for policyholders to "self-insure" in this way for smaller mishaps; this helps to keep premiums affordable.

    There is no deductible in the case of fire or lightning or (except under Quebec policies) for theft of the entire automobile. Deductibles may apply to other types of physical damage coverages.

    If a collision was not your fault, your insurer may try to recover the money it has paid, as well as your deductible (which it will refund to you), from the person responsible for the accident (except where insurers are prevented from doing so by law, as is the case in Ontario and Quebec). In these two provinces, under Direct Compensation, you will recover the portion of your deductible, to the extent that the other driver was at fault, from your own insurer.

    十一。Fraud

    If someone tries to gain by deliberately lying to an insurance company about even part of a claim, he or she forfeits the right to payment for the whole claim. Fraud increases everyone's insurance costs. To help keep down costs for honest policyholders, insurers prosecute those who make fraudulent claims.

    全文完。更多精彩文章及讨论,请光临枫下论坛 rolia.net
    • 窃以为作为普通BUYER没必要知道这么多。很简单买保险时找个经纪去搞出事时自己掂量一下觉得有必要就CLAIM,哪有恁多的时间去研究。现在什么都讲社会分工,不是吗?
      • 也许没有时间去仔细地研究保险的事情。但是我想每个国家的保险制度和术语的法律解释不是完全相同,程序和运作方式也不完全相同。我这里只是找点基本的保险术语解释,也许对你有益,也许无用。
        • 我知错了. 改正了还是好同志吗?
          • 好同志
      • 你的意见提醒我另外一件思考的问题,首先谢谢你的意见。
        我来到加拿大有很多的方面的不适应,总是觉得这里不如大陆好。我一直在想我为什么会这样?为什么不能和其他人一样很快适应这里的环境?为什么什么事情都看不惯?为什么总是觉得加拿大人在骗我们的钱?我现在找到的答案是,我们必须放弃我们在大陆受过的马列主义和毛泽东思想的教育,必须放弃唯物主义,必须放弃几十年来我们所追求的共产主义理论。在这个大前提下我们来认识加拿大,融入加拿大。对于现在20多岁的年轻人来说,脑子里灌输的那些没用的东西很少,所以很快会融入这个社会的,对于我这样步入到中年的人来说,会有一个很长的适应和转变的过程的。

        所以,如果你认为我发的帖子没有意义,我理解。。
        • 人生不息,奋斗不止:)。
    • thanks!