Jan 10th, 2005, 16:07 | #1 |
Senior Member
注册日期: Nov 2004
住址: Vancouver
帖子: 117
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【请问】关于icbc的保险,大家都是上全险么?
我就上了Third-party legal liability coverage,然后再extend到2million的额度。剩下的像collision和comprehensive都没有保,但是看在办理的时候,那个保险经纪一个劲儿的大呼小叫,说从来没见过我这样的。 请问大家办理保险的时候,都怎么保的?是大部分都办理collision和comprehensive么? 还有,如果我没有办理collision和comprehensive,出了事情,如果是对方的责任,我能不能向icbc要求理赔? |
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Jan 15th, 2005, 01:31 | 只看该作者 #8 |
飞
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collision最好是买,不然除了事故要修的话,如果是你的全责,保险公司不管你的。 而且,同学中有人因为没买collision吃亏的,虽然没有十足的证据,但是也知道是被玩了猫腻了。然后痛心疾首的让我们买,然后没买,然后撞车了,没人赔,车子就废了,不然还会给个报废钱,亏了。 |
从水里,我爬到树上,看到的不同以往;我想,飞吧,从此这无尽的世界,任我翱翔! http://www.chinasmile.net/gallery/al...e050426029.jpg |
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Jan 15th, 2005, 12:34 | 只看该作者 #9 |
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注册日期: Jul 2004
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i think the basic and extend to 2m is unavoidable. But the collision and comprehensive is totally optional. if you drive an old car, and think no one will steal it, you probably don't need the comprehensive. if you are confident in your driving skill and know yourself is a careful people, skip the collision part is also ok, however it only covers this senario: it's your fault, and it cover the cost to fix your own car. the cost of fixing the the other party's car and compensation if there is any injury will always be covered if you have the basic/extend. And if it's not your fault, then the other party's insurance will cover the cost of fix your car. so it's a limited risk: at the most, i totally damage my car, and I don't drive it anymore. correct me ,if i am wrong. |
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Jan 21st, 2005, 14:20 | 只看该作者 #11 | |
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注册日期: Jul 2004
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引用:
不知道对不对? 另外,comprehensive在Autoplan Brochure上讲是: “Comprehensive insurance covers loss or damage to your vehicle by any cause except loss or damage covered by Collision insurance。Comprehensive includes coverage for loss or damage caused by:fire, lightning, theft (except by an employee or member of yourhousehold), vandalism, malicious mischief, windstorm, earthquake...” 那就是说,loss 也算,我就不懂,为什么还要买偷盗的险,请指教! |
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