What are the rules of car insurance in Canada and what should I pay attention to?

First, the basic three guarantees: anyone who drives on the road must buy it.

(1) Third-party liability insurance compensates for damage to third parties or property. General insurance companies require/kloc-0,000,000.

(2) statutory accident insurance, to ensure that all the people in the car or their families get medical and living security after the accident. Whether you are wrong or not, you can get compensation.

(3) Insure the amount of car insurance to ensure that the insured can escape with uninsured vehicles or drivers after the accident and get compensation for the losses caused by the accident.

(4) Direct Compensation-Property Loss (DC-PD) ensures that the insured can get compensation from your own insurance company in time when he suffers losses due to the fault of other drivers.

Usually, insurance companies will increase family security insurance while providing basic three insurances. In case of an accident, if the insurance of the other owner is not enough to compensate for the losses caused by injury or death, this insurance will make up for the shortage.

However, the maximum amount is the difference between the amount of family insurance and the total amount of other third-party insurance.

Full coverage = basic three guarantees+the following three.

(1) Collision or rollover protection: the protection provided for your vehicle in case of any traffic accident caused by your responsibility, and the vehicle is damaged when it collides with other vehicles, road rollers, trees and other objects. Deductible fees are usually paid, and the second-year renewal will increase the premium.

(2) Comprehensive protection provides protection for your vehicle under unexpected circumstances, such as fire, theft, damage by people or natural disasters. Usually you still need to pay the deductible, but the second-year renewal will not increase the premium.

(3) Loss of use When the insured's car needs to be repaired due to accidental damage, the insured can rent a car to walk instead of walking during the period. This kind of insurance includes not only renting a car, but also the cost of taking a taxi or public transport.

(4) Limited Exemption from Depreciation Insurance Only new cars can buy this kind of insurance. It guarantees that the new car will be completely lost or stolen due to accidents within a certain period of time, and the insurance company will compensate you according to the price of the new car. If you don't buy it, you will only get the price compensation after depreciation.

Factors determining the price of automobile insurance

There are several main factors that determine the car premium.

(a) whether the driver and his family members have committed illegal driving in the past three years or whether there have been negligent traffic accidents in the past five years.

(2) The driver's living area, gender, age, North American driving experience and driver's license grade are also important factors to determine the premium level. Some companies also offer discounts to participate in theoretical training in driving schools.

(3) The driver is a young full-time student who can provide reasonable transcripts and enjoy preferential treatment.

(four) old and new cars, models and ways of use.

(5) Different insurance items and base fees will also affect the premium level.

(6) It is best to insure cars and houses in the same company and get preferential treatment from each other.

(seven) whether the same owner is insured continuously. For example, if you want to travel abroad for two or three months, you can suspend your car insurance and resume it at the original price when you come back. If the insurance is completely cancelled, the premium will be high if you want to recover in the future.

Automobile accident handling process

(1) If the accident is serious, call 9 1 1. The police will go to the scene to make an "accident report"; If you are younger, report to the traffic accident reporting center (ask for the other party's name, address, telephone number, license plate, insurance company, policy number, etc.). ).

(2) reporting the case to the insurance company.

(three) wait or take the initiative to contact the adjuster to arrange the claim settlement process.

(4) Seeking truth from facts and reflecting the degree of injury. Fictitious injury, compensation, bad driving record.

Matters needing special attention in automobile accidents:

(1) Stay calm at the scene of the accident, and don't admit mistakes or accept accusations.

(2) If the other party is judged to be responsible, try to collect the information of multiple witnesses (names, telephone numbers and addresses).

1. What should I do if I get a ticket?

Be sure to go to court in person and get tickets. The air ticket will affect the premium and is valid for 3 years. Some insurance companies will waive the first minor ticket, but two tickets will definitely affect the premium, and even the premium is more expensive than an accident. If there is more than one ticket, the insurance company will refuse insurance. If you have a ticket, it will not be deducted, but it will be good for your future points, because if you reach 9 points, you will see the official.

Note: the place where you go to court is the district court where you get the ticket, not the court opposite your home. In other words, if you get a ticket 500 kilometers away from home, you need to drive 500 kilometers to the court or entrust someone else to appear in court for you.

2. How do I know that I have several traffic tickets, and how do I know that my tickets have been cancelled?

You can go to any transportation department to print a driving record (official statement: driver's summary, often called 3-year driving record, 3-year driving record, the cost is $ 12. Address of Ministry of Communications:

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

The Ministry of Communications has marked: The driver and vehicle license plate issuing office is the place to handle vehicle transfer, and it can also be printed on machines in some big shopping malls.

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

Knocking off the "point" by the defendant ticket expert does not mean knocking off the ticket, and the traffic ticket without the point also affects the premium.

I had a ticket and had an accident last year. I received a letter from the insurance company this year, asking for an increase in my insurance premium. I simply can't stand its proposal and don't want to drive. Can I make an inquiry without telling other insurance companies that I had an accident?

In fact, all auto insurance companies enjoy the database, the Insurance Regulatory Bureau has everyone's records (accident records are kept for 6 years), and the Ministry of Communications also has the driving records of each driver (tickets are kept for 3 years). Before accepting a new guest, the insurance company will definitely investigate the driver's record and the previous accident claim record. It's impossible to hide. Maybe some brokers or agents deliberately or negligently or didn't check it to save money. Generally speaking, the head office will definitely check it within 1 month, which is why the insurance company will notify a guest who has concealed the fact of being refused insurance several weeks later.

4. What driver's license can I use to buy a car and insurance in Ontario?

You must have an Ontario driver's license to buy a car in Ontario. G 1 You can buy a car, register it and obtain ownership. But only a few companies provide G 1 auto insurance, so G2 brand is the minimum requirement. New immigrants can rent a car and drive with a China driver's license within 60 days after landing in Canada. You can buy a car without an Ontario driver's license, but you cannot register. The driver's license of the United States or other provinces in Canada must also be changed to an Ontario driver's license to buy a car for registration. Note: before changing your driver's license in other provinces or the United States, you must copy the front and back, and the Ministry of Communications will confiscate your old driver's license.

If you don't want to miss the preferential promotion price of the day and don't have an Ontario driver's license, you can order the vehicle first and then transfer the ownership after obtaining the driver's license; If you want to collect the car for fun, of course, G 1 is enough to register the owner, and you don't need to buy insurance.

5. Where does China driver's license need to be translated and notarized?

For details, please consult professionals such as the Ministry of Communications or driving school coaches. From May 2006 1 1, the Ontario Ministry of Communications has the following regulations for Chinese mainland driver's license holders: those who have been driving for more than one year can directly take the G2 test without waiting; You can't take the G test directly for more than two years, but you can only take the G2 test. However, the notarized translation of China driver's license must be done in Ontario first, and the notarized translation done in domestic notary offices is invalid.

Note: The recognition of China's driver's license by Transport Canada does not mean that Canadian auto insurance companies recognize China's driving experience, which is quite different.

6. To buy auto insurance in Canada, does it matter if I provide the accident-free certificate from China insurance company?

Except for the accident-free insurance certificates in the United States and other Canadian provinces, which are recognized by local insurance companies, the accident-free insurance certificate in China has no effect in Ontario.

7. Can I get a license without buying auto insurance? Without auto insurance, can I buy a car and transfer ownership first?

To buy a car in Canada, the law stipulates that you can't buy a car license without auto insurance, and it is illegal to drive on the road. Violators who drive without insurance can be fined up to $20,000 and a large traffic ticket. Therefore, before buying a second-hand car, not only safety inspection certificate and emission inspection certificate are needed, but also auto insurance is essential.

Whoever forges or provides false auto insurance information when applying for a car license can be fined up to 5,000 yuan, or his driver's license is revoked, or his car is confiscated for 3 months.

8. Is G card cheaper than G2 insurance?

Generally speaking, G-brand auto insurance is cheap, but the reality is that G2 is more cost-effective than G-brand for novices, because G2 novices drive carefully, and insurance companies generally have certain discounts, while G does not.

9. My friend had an accident driving my car, which is his full responsibility. What are the consequences?

First of all, the injured party's insurance company will compensate its insured (three guarantees). Because you are the owner of the car, your insurance company will have your accident record. If your friend has his own car insurance, will your premium go up next year? Every insurance company is different. But your friend's auto insurance or buying auto insurance in the future has a great influence. In general, it is best not to lend your car to your friends easily.

10. My spouse has an accident record. Can I insure without his or her name? Can you not tell other insurance companies that my spouse had an accident when you make an inquiry?

For couples and people who have lived together for a certain period of time, no matter who has an accident, it will affect the insurance premium of the other party. That is to say, even if the spouse who has an accident does not drive, it will affect the insurance premium of the spouse who has driven without any accident. Some people say that my spouse has returned to China, or separated, or stopped driving, which has no effect at all. Once, a guest had an accident record and asked his girlfriend to buy insurance. However, after his driving accident, the insurance company refused to pay the claim and refunded the previous premium. Other companies also refused to insure him because of concealing the facts. Some insurance companies also need a driver exclusion list to reduce the impact of accidents: that is, to ensure that the spouse's car is not driven. Once there is an accident while driving, the insurance company refuses to pay compensation.

1 1. I heard that some people can get very cheap car insurance. They don't even have an office, but they need all my personal information Can I trust them?

If someone (not an insurance company) has your personal information, such as name, driver's license number, birthday, address, zip code, telephone number, bank information, etc. He can take the car insurance instead of you, or he can notify the insurance company to suspend your car insurance, so don't disclose personal information to others (except insurance company brokers, agents or insurance companies themselves). In addition, if there are forged documents or fraudulent acts in the process of handling auto insurance, the insurance company can refuse insurance in the future, and the accident will not be compensated and legal responsibility will be investigated. I met several friends in similar situations. In order to get the cheapest car insurance, I was found to have forged documents (I don't fully understand them) and was refused insurance by the insurance company. There is no insurance company to accept them now, so they can't drive, which is a loss.

12. My car is all risks, and it is stolen or totally lost after the accident. How does the insurance company compensate?

The insurance company will compensate according to the actual cash value of the car, and the insured will not benefit or make money because of the accident. The "core" of insurance is to compensate for losses to the maximum extent. If it is a brand-new car, if you buy a replacement and give up the deprivation, you can make full compensation when you buy the car.

13. What is the deductible and how much is appropriate?

The deductible base fee is the part you need to bear when you make a claim, and a high base fee means a low premium. Usually, each insurance company has four choices: 300 USD, 500 USD, 1000 USD and 2000 USD. Collision insurance and comprehensive insurance compensate the loss of the insured's own vehicle when the accident is caused by the insured's fault, but the insured has to pay the deductible. If there is no bottom fee, then tens of dollars, one hundred and two hundred dollars of maintenance fees will come to the insurance company, and the business of the insurance company will be overwhelmed. Some car manufacturers require deductibles when borrowing or leasing. For example, Honda requires that the deductible for renting a car should not exceed 1 1,000 yuan. Because it will increase the user's payment burden. I personally suggest that the minimum collision fee and comprehensive fee should be 1000 and 500 yuan respectively. For example, the collision floor fee is set to 500 dollars. Suppose you accidentally reverse the car and damage the door, and your car needs 1.200 yuan maintenance. If you report to the insurance company for compensation, you will only pay 700 dollars (65,438+0,200-500 dollars = 700 dollars), which will affect your premium for the next six years. In a few years, you will have to pay a few more 700 dollars, so you won't report the maintenance fee of 1200 dollars to the insurance company. Since you are willing to pay 1200 dollars by yourself, it is better to set the base fee as 1000 dollars and lower the premium. In addition, after a traffic accident, it is best to solve it privately, that is, without notifying the insurance company.

14, can I buy a one-month or temporary car insurance?

Answer: Because of the heavy workload of handling auto insurance, insurance brokers or agents spend a lot of time and energy to serve customers. If the guests give up after a few days or dozens of days, it will waste their time with the insurance company, so no insurance company will provide short-term insurance, at least half a year or a year contract. Frequent breach of contract and termination of insurance contract will affect your insurance record, because insurance records are enjoyed by insurance companies. Before the auto insurance contract expires, the insurance company will notify the customer in writing to renew the insurance. If you don't agree to the new contract, you can terminate the new contract without any punishment and without affecting any records.