本文发表在 rolia.net 枫下论坛The Greatest Myths About Auto Insurance
Insurance can be confusing at the best of times, but here are some of the most common misconceptions about auto insurance coverage in Canada.
1 The colour of your car affects your insurance rate.
Most people may not know it, but the insurance industry is colour-blind. It doesn't matter if your car is blue, red, striped or chequered, your insurance rate for that make and model of car will always remain the same.
2 A 2-door car is more expensive to insure than a 4-door.
Not true. In fact a 4-door is often more expensive. This is because insurance companies look at the price of the car, repair costs, theft frequency and its previous claims history when determining your rate.
3 Getting a parking ticket means your insurance rates will go up.
If that was the case, we'd all be singing the blues. Parking tickets do not count against your driving record or your insurance, but unpaid fines will affect your ability to renew your driver's licence.
4 Getting a speeding ticket means your insurance rates will go up.
Not necessarily. Your first minor speeding ticket (up to 50 km/h over the speed limit) will probably not affect your insurance rate. But accumulate two or three convictions and you'll probably be paying more to be insured. A major speeding ticket (more than 50 km/h over the speed limit) and your rates go up for sure.
5 You don't have to pay your deductible if the police said the accident was not your fault.
The police may not have deemed you criminally responsible for the accident, but it's your insurance company who has the final decision as to whether you pay your deductible or not. If they investigate the accident and rule that it's not your fault, they have the right to waive your deductible. Until then, you better be prepared to pay...
6 If you are in an accident and don't make a claim, your insurance premiums won't increase.
Not true. If your insurance company finds out you were in an accident, they can raise your rates accordingly - whether you made a claim or not. You may not have told your insurance provider about the accident, but the other person in the collision may be filing a claim. His/her insurance company may tell your insurance company about the accident and they can raise both your rates.更多精彩文章及讨论，请光临枫下论坛 rolia.net
Insurance can be confusing at the best of times, but here are some of the most common misconceptions about auto insurance coverage in Canada.
1 The colour of your car affects your insurance rate.
Most people may not know it, but the insurance industry is colour-blind. It doesn't matter if your car is blue, red, striped or chequered, your insurance rate for that make and model of car will always remain the same.
2 A 2-door car is more expensive to insure than a 4-door.
Not true. In fact a 4-door is often more expensive. This is because insurance companies look at the price of the car, repair costs, theft frequency and its previous claims history when determining your rate.
3 Getting a parking ticket means your insurance rates will go up.
If that was the case, we'd all be singing the blues. Parking tickets do not count against your driving record or your insurance, but unpaid fines will affect your ability to renew your driver's licence.
4 Getting a speeding ticket means your insurance rates will go up.
Not necessarily. Your first minor speeding ticket (up to 50 km/h over the speed limit) will probably not affect your insurance rate. But accumulate two or three convictions and you'll probably be paying more to be insured. A major speeding ticket (more than 50 km/h over the speed limit) and your rates go up for sure.
5 You don't have to pay your deductible if the police said the accident was not your fault.
The police may not have deemed you criminally responsible for the accident, but it's your insurance company who has the final decision as to whether you pay your deductible or not. If they investigate the accident and rule that it's not your fault, they have the right to waive your deductible. Until then, you better be prepared to pay...
6 If you are in an accident and don't make a claim, your insurance premiums won't increase.
Not true. If your insurance company finds out you were in an accident, they can raise your rates accordingly - whether you made a claim or not. You may not have told your insurance provider about the accident, but the other person in the collision may be filing a claim. His/her insurance company may tell your insurance company about the accident and they can raise both your rates.更多精彩文章及讨论，请光临枫下论坛 rolia.net