[干部]

上星期前挡风玻璃被人恶意砸了一条小裂缝, call ICBC想claim, 被告知前300块必须自己付.

NND小裂缝修修也就300多左右,这样的保险不知道买来有什么用.

现在只好不修,每天开车看着这条裂缝真窝心.

[鸢飞戾天]

[hairinwind]

Your premium will be lower if you choose a $1,000 deductible compared to a $300 deductible.

I am considering if I should improve the deductible to reduce the premium.

My friend had a collision and he needed to pay about 2000 to repair. If he claims that, his premium would increase in the next several years. Aftre 5 years the increased preminum is more than 2000. Then he choose not to claim.

So why we need the low deductible???

[yyzz]

It's really your own choice.

You could have chosen the $200 deductible option.

ICBC might be expensive, but it's rather fair.

[会飞的胖子]

小事故不合适

大事故以后保险高得吓死你

[挺奇怪]

加拿大垄断实在厉害。

[union]

yyzz 写道:

It's really your own choice. You could have chosen the $200 deductible option. ICBC might be expensive, but it's rather fair.

错。

他选的就是200自付额。因为如果是flying object就是200元，而被人故意破坏属于miscellaneous claim，就要300元。

[请教]

干部 写道:

上星期前挡风玻璃被人恶意砸了一条小裂缝, call ICBC想claim, 被告知前300块必须自己付. NND小裂缝修修也就300多左右,这样的保险不知道买来有什么用. 现在只好不修,每天开车看着这条裂缝真窝心.

这种情况如果CLAIM后去修, 自己出DEDUCTIABLE 300$, ICBC出剩下的几十块(也是钱), 会影响以后的保险吗?

[干]

总之就是花钱买保险，然后再花钱自己修。

保险公司就是庄家，必要时还可以出老千（编个理由升保费），坐地收钱啊~~~

[rea1]

不过ICBC还是比安省的收费要低不少。