Common problems of Canadian Auto Insurance (turn)

  • Created:
  • / Author: Aaron Lewis
The most common problem: what is the Three Guarantees (LIABILITY), what is the total insurance (FULL COVERAGE)?

Answer: to explain, need a few pages, simple to say, three insurance does not guarantee your car (traffic accident you no wrong of course will get compensation), the preservation of their car, regardless of no fault (NO FAULT, no wrong without rising premium) or wrong (AT FAULT) can to obtain compensation. The Three Guarantees (LIABILITY) contains four categories:

One is the other person and vehicle (THIRD PARTY LIABILITY), compensation for the damage to others.

Two is to protect his car or property damaged by others (DIRECT PROPERTY DAMAGE),

All three people protect themselves on the car (ACCIDENT BENEFITS), injured time error no fault insurance.

Four is the vehicle accident did not buy insurance (UNINSURED VEHICLE), the above can get compensation. But his car is stolen or their own fault accident, only to buy the insurance companies do not lose his car.

Three + his car crash, containing COLLISION and fire, theft (COMPREHENSIVE) = total insurance.

The preservation of his car, whether right or wrong, or lost, fire, guaranteed. All have excess (DEDUCTIBLE).

1. Q: in the G1 driver's license can buy a car to buy insurance?

Answer: in the car must have the license, G1 will be able to buy a car and registered with REGISTER, get the owner to prove (OWNERSHIP). But only a handful of companies to provide G1 with the car insurance, generally G2 card is the minimum requirement. Recent immigrants landing vehicle, driving license with China can Canada 60 days, but not the driver's license can not buy a car. America or other Canadian provinces licence must also be changed into Ontario driver's license can be a transfer, registration. Pay attention to change as the former must copy of positive and negative record, the Department of transportation to confiscate the old driver's license.

If you are a collection of auto play, of course with the G1 to the registered owner is enough.

2. Q: where do I need to translate, notarial my China license?

Answer: please consult the Department of transportation or professional driving coaches etc.. From May 11, 2006 onwards, the Ministry of transport, to hold the driver license, the following provisions: one year above is driven age, without waiting for the direct G2 test; two years can not directly test G, also can test G2. But must first be notarized translation China license in Ontario, notarized translation of notary offices in China do not. Ask you to do a notarized translation to go after the written test. If you go to the written test and did not take effective, a notarized translation, after adding Mainland License notarized translations will not be admitted. At least wait for 8 months to take the G2 road test.

Note: the Canadian government approval China license, does not represent the Canadian Motors Insurance Corporation approved Chinese driving experience, have very big distinction. I often hear people say: I opened for decades in China car, you think of a way to get my car out cheaper premium.

3. Q: buy car insurance in Canada, I offer no accident that has the effect of Chinese insurance company?

Answer: because the Motors Insurance Corporation for the joint-stock or Private Companies, or other properties of the company. In addition to no accident insurance certificate recognized USA and other Canadian provinces, China insurance accident free proved no role in Ontario. But Hongkong Taiwan South Korea insurance record is Canada a few insurance companies approved, accident without experience above countries are Canada a few insurance companies recognized as Canada's 4 years of driving experience. With the driving training, the certificate can be recognized three years driving experience, and four years of experience, the price difference is not too large. (usually called the three star * * *, the maximum six stars)

4. Q: I in overseas for many years, my driver's license can be directly replaced the Ontario driver's license? I bought the car insurance has no special discount?

Answer: only USA, driver's license, Austria, Japan, South Korea, Germany and Switzerland can be a direct replacement for the Ontario driver's license. But only American driving and accident free driving experience is the insurance companies that, other countries of the driving experience local insurance companies are not recognized. If you have more than 6 years of age (in North America and Canada USA), no accidents, no ticket, can get the best car insurance. But the need to issue the insurance company letter EXPERIENCE LETTER and local transportation departments driving record that DRIVER 'S RECORD.

5. Q: do not buy car insurance can license? No car insurance, I can buy a car first transfer?

Answer: purchase a car in Canada, the law no car insurance can not buy car license plate and the road law, offenders may be fined up to $20000 yuan. So buying second-hand car to transfer the registration of not only need the safety inspection showed that the SAFETY and EMISSION TEST exhaust inspection certificate, vehicle insurance essential. No car insurance can transfer (register), get the owner to prove, to leave the car at home, then go to buy insurance to more than three, and finally to license (NUMBER PLATE), transfer, licensing is in the same place: the Ministry of communications LICENSE OFFICE.

6. Whether the G card than the G2 insurance cheaper?

Note: each insurance company is not the same as, G2 card and G insurance discount will be different, some companies there is no difference, in your own insurance company requirements shall prevail, this article is for reference only.

Question 7: my friend drove me out of the car accident, his full responsibility for the consequences, how?

Question 8: my spouse has an accident records, I can not he (she) name insurance? An inquiry could not tell other insurance company of our spouse had an accident?
Answer: for the couples and cohabiting for three years or more, whoever comes out of the accident, both influence each other's premium, is say the accident spouse if not drive will also affect the drive without accident spouse premium. Some people say that my spouse to return home, or separated, or don't, these did not work. Had the guests own accident record, let his girlfriend to buy insurance, but the car after the accident, the insurance company refused to claim, and return to the previous premium, other companies have also refused to insurance, reason is to conceal the facts. Some insurance companies need to ensure that affect the book will reduce accidents: that is to say that without a spouse's car. The couple each have a car, can be purchased separately in different insurance company insurance.

Question 9: I heard that some people can apply for special cheap auto insurance, even in their office locations are not, but they need my personal information, whether I can trust them?

Answer: if someone (non insurance) take control of your personal information, such as name, driver's license number, address, postcode, birthday, telephone, he can replace you get car insurance, can also notify the insurance company to suspend your auto insurance, so do not disclose personal information to others (insurance broker, agent or except the insurance companies themselves). In addition, if for auto insurance, in the process of forgery or fraudulent behavior, the future insurance company can be denied insurance, accident and no compensation shall be investigated for legal responsibility. I have met several friends in similar situations, in order to get the cheapest car insurance, was found to have falsified documents (he does not fully informed), the insured to the insurance company, now without any insurance company accept them, unable to drive, the victim is not shallow.

10 Why address effects of premium? Someone told me his address to the town, the premium can be a lot cheaper, right?

For example: if you live in the Arctic and drive, $200 yuan /1 years someone to protect you. Live in DOWNTOWN, more cars, more people, narrow roads, the accident probability, so the premium is high. In order to reduce car insurance to address illegal, a major accident investigation will send detective, insurance companies, survey the guests whether to live there. Can reject the claim and the prosecution of the guests. The Toronto RICHMOND HILL, MARKHAM, MISSISSAUGA, the premium is relatively inexpensive.DOWNTOWN certain area and Western York (near York University) the premium is a little bit expensive, North York, Scarborough area premium center.

11. I bought the car insurance, stolen, or after the accident ruined (TOTAL LOSS), how to compensate for the insurance company?

The insurance company will according to the car market price (Actual cash value) evaluation and compensation, not because of the accident and the insured benefit or profit, insurance "core" is to compensate for the loss of the maximum. Only new car can buy replacement, waiver of depreciation, you can choose 2 ~ 5 years purchase a car for full payment, of course, the premium will be slightly high.

12 what is the excess (DEDUCTIBLE), a much more appropriate?

Deductibles excess is claim they were taking part, high excess means low premium. The default base fee is 300 yuan, also offers 0 bottom fee, namely $0 deductible

Collision insurance (Collision) and (Comprehesive) the comprehensive insurance for the insured negligence cause accidents, compensation for loss of the insured vehicle, but the insured to pay Deductible bottom. If there is no excess, then dozens Yuan, one hundred or two hundred yuan to repair and come to the insurance company, the insurance company will be overwhelmed. The higher the Deductible premium is low, generally different bottom fees, monthly premiums a few yuan to tens of dollars, that is more than the bottom fee is paid by the insurance company, the insured bear excess following repair. Deductible is generally $300 to 2000 Canadian dollars, some car manufacturers have requirements for Deductible, such as HONDA LEASE Deductible car is not more than 1000 yuan, the third party liability insurance is not less than $1000000, as it relates to increase the user's payment burden. my personal recommendations Collision and Comprehesive bottom fees were set to 1000 and 500. Example: if the Collision excess is $500 yuan, if you accidentally reversing crack up door, your car needs 1200 yuan to repair, if the report to the insurance company claims, he will only $700 yuan ($1200-$500=$700), and will affect your next 6 annual premium (when Paul Fei Buzhang), and the accident records kept for 6 years, within a few years, you will pay for the $700 element, so the $1200 repair you not submitted to the insurance company, since $1200 are willing to own, as the bottom fees to more than $1000 and lower premium. The other is out after a traffic accident, the private good.

13 I just got a speeding traffic ticket (TRAFFIC TICKET), will affect my insurance?

Answer: there are ticket must go to court, to destroy, tickets affect the premiums, valid for a period of 3 years. Some insurance companies will be exempted the first non severe TICKET, but 2 TICKETS certain influence premium, or premium than to have an accident more expensive. There are many ticket, insurance companies will be declined. A ticket system is not the same ticket, is of benefit to your future point, because the points to reach 9 points, will be required to see an officer

The following is an example of premium surcharges the Facility Association applies on private

Passenger vehicles

Minor

Major
Serious

One conviction 0%

Two convictions 5%

Three convictions 15%

Four convictions 25%

Each additional 15%

One conviction 15%

Each additional conviction 25%

One conviction 100%

Each additional conviction 100%

Note: the court where it is get tickets district court rather than their own home across the court. That is to say you get in the home 500 kilometers place ticket, need to drive 500 kilometers to go to court or entrust others you in court.

Question 14: how do I know that I have a ticket (Traffic tickets), how do I know if my ticket is destroyed?

You can go to any department of transportation to print a driving record (DRIVER 'S ABSTRACT =3 YEARS) DRIVER' S RECORD, $12. Department of transportation charges:

Http://www.mto.gov.on.ca/english/dandv/issoff.htm

The Ministry of communications is marked with the river and Vehicle Licence Issuing Offices, is for auto transfer place, also can to some large MALL inside the machine to print

Http://www.mto.gov.on.ca/english/kiosk/locations.htm

The expert from "point" is not equal to destroy a ticket, no point of ticket of premium.

15 I have a ticket last year, once the accident, received my insurance company RENEW letter this year, up to my insurance, I can't stand it offer, cars are not open. Whether or not to tell other insurance companies I had the accident can inquiry?

In fact, all Motors Insurance Corporation are shared database, insurance bureau has everyone's record (accident records retained for 6 years), the traffic department also has each driver driving record (ticket reservation 3 years). The insurance company will survey the guest driving record before accepting a new guest before (driver 's record) and previous accident claims (claim history) record, could not conceal, maybe some brokers or agents deliberately or negligence or for money but not to check, generally 1 months total company will check, which is why a few weeks after the insurance company would notice the reasons refused ensure a concealing the fact that guests.

Question 16: what type to buy the car, my premium will be?

According to the Chinese to buy most of the cars, good safety car insurance premium cheap. For example, all MINIVAN premiums are lower. Mid size car premium medium, small entry-level car premium, 2 door coupe premium.4 wheel drive car insurance premium is moderate

Common premium car: Chevrolet CAVALIER, Ford FORUS, NISSAN SANTRA, Pontiac beside SUNFIRE, dodge NEON, SX 2.0, Suzuki waiting for the bus

A slightly higher: CIVIC, COROLLA, Korean cars, such as ELANTRA, ACCENT, KIA, and some German cars, such as PASSAT, JETTA, moderate a 4x4, such as CR-V, RAV4, slightly cheaper price midsize saloon: Toyota Honda CAMRY, ACCORD, LUMINA Ford Chevrolet MALIBU, TAURUS, INTREPID, Chrysler NISSAN, SEBRING, ALTIMA

Low premium: the Dodge CARAVAN, the Chevrolet VENTURE, Honda Toyota ODYSSEY, SIENNA, WINDSTAR Ford, Pontiac MOTENA

The new car more higher value premium higher. Due to the new year, the insurance company pays the premium HISTEP, will be high. Generally speaking the same car old year premium cheap, about $3~$5 yuan / month

Such as the 2000 TOYOTA CAMRY premium is $180 yuan, in 1995 than in 2000 CAMRY since 5 years old, $4X5=$20, premium around on $160 (this figure is not accurate, for reference only). The same year the same type of car, 6 cylinder 4 cylinder is a little expensive

17 hear false insurance, what needs attention?

False insurance generally have:

1). True false guarantee slip: the insurance company name real, policy is a forgery. Safety paper really false, information, or false guarantee slip color laser printer.

2) it's true personal information, insurance companies, insurance real, but get low, use illegal means to participate in the sham group, the provision of false information.

3) true false personal information, such as the change of address, Toronto premium expensive, change of address to the town almost half the price.

A. insurance companies rarely receive annual premium, is generally installment (An Yue), up to two months of premium. For example: if someone quoted price 120 yuan / month, one-time charge of 12 months of premium ($1440), be careful. There have been a few friends because covet is cheap, get false guarantee slip. If large companies such as RBC bank charge a premium for 1 years will not be a problem, but also check the receiving party must be the company name, not personal.

The B. requires you to change the address, for example, to the town.

C. when signing a contract, you can ask to see a BROKER or AGENT LICENSE. (insurance license)

If D. is called a single, you must contact me, don't let other people in your absence generation you call out the policy.

18 the first purchase of auto insurance which files need to prepare?

Answer: the local effective driver's license, driving training Practitioner Certificate, personal checks, purchase a car owner contract or proof or car VIN numbers.

19 car insurance contract requires a long time? How to charge the premium?

In general, the insurance company will ask the guests to provide VOID checks each month from the bank transfer, automatic.

20 I can buy a month or temporary car insurance?

21 why join Association (Group) is good and bad?
Answer: good is to participate in the association can get a group discount car insurance, premium savings, if the Association (Group), the premium will be very low, such as doctors, lawyers, engineers association. The downside is, everybody with a discount, another accident will affect the whole group of premium, so some group rises year after year premium, while you yourself without any fault, in fact, is the other people in the same association have problems affecting everyone.

22. Why do I not see my insurance company, only can call? My friend can and his agent (agent) to meet, they can even go to drink tea together to eat and talk? answer: in North America, there are several different insurance company or service, outside notting have three kinds, but the end result is almost like: how companies to protect you, out of the accident is the company to. The first AGENT (agent), he only represent their own companies, not sell the other company's insurance or financial products, he only for your company, will not stand in the position of guests, such as the THE CO-OPERATOR insurance company. Like the SONY appliance stores. followed by BROKER (agent), he can sell many of the company's insurance products for customer service, he guest address to find the best solution, as, for example "friendly" insurance, "security" insurance agent, their insurance company. Like the FUTURE SHOP appliance stores.

Another is the guest directly and insurance company, is generally a policy call, but could not see a person, every time the phone insurance representative (representive) are different, for example RBC Royal insurance company. Like the DELL computer sales.

As the contract behind the Motors Insurance Corporation, it has a special department to deal with the accident insurance application, assessment and claims, but not AGENT, BROKER, or REPRESENTIVE to handle. So, whatever your friends and insurance brokers or agents are so familiar, a traffic accident will be up insurance.

23. Q: I will return, how to deal with my car insurance?

Answer: if the short-term return, the proposal does not do any action. If the return in 1 ~ X months, can buy Garage insurance (GARAGE INSURANCE, or is called theft THEFT INSURANCE), these popular words, the insurance company will understand what you want to buy services, such premiums paid little, do not completely cancel (CANCEL) automobile insurance. And returned to Canada to notify their insurance companies to insurance.

24. Q: my friends every month premium only 150 yuan, as if he is older than my light, like a car than my old age than I, like short, why should I pay 180 yuan / month, this is not the money?

A: my friends every hour earn fifty yuan, but also the dollar, as if he is older than my light, knowledge than my old, seniority is shorter than mine, I can earn fifteen yuan, why? Please look at the next..

25. I want to drive their own cars moved from Ontario, how to deal with my car insurance?

Answer: Generally speaking, the insurance company license you can in the new provinces and a month, and then change the driver's license at the local, go through the formalities for the vehicle into people's homes, for local car insurance, license plate, and stop you in the car insurance, can not use the auto insurance in the province to drive for several months without in place.

26. Q: I saw a half day, how to do there?

Answer: call your insurance company............

27. Q: I am a novice, participate in any society, how to get the most preferential car insurance? In a society can really get the cheapest car insurance? I don't have any accident, no ticket, why my premium so expensive? How can we get the cheapest car insurance? I have 2 accident now, the insured to my insurance company, how to get the insurance? I am now group insurance, but in recent years, insurance are rising every year, how to avoid the rising premium? Help me get cheap car insurance?