[幹部]

上星期前擋風玻璃被人惡意砸了一條小裂縫, call ICBC想claim, 被告知前300塊必須自己付.

NND小裂縫修修也就300多左右,這樣的保險不知道買來有什麼用.

現在只好不修,每天開車看著這條裂縫真窩心.

[鳶飛戾天]

[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.

[會飛的胖子]

小事故不合適

大事故以後保險高得嚇死你

[挺奇怪]

加拿大壟斷實在厲害。

[union]

yyzz 寫道:

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

錯。

他選的就是200自付額。因為如果是flying object就是200元，而被人故意破壞屬於miscellaneous claim，就要300元。

[請教]

幹部 寫道:

上星期前擋風玻璃被人惡意砸了一條小裂縫, call ICBC想claim, 被告知前300塊必須自己付. NND小裂縫修修也就300多左右,這樣的保險不知道買來有什麼用. 現在只好不修,每天開車看著這條裂縫真窩心.

這種情況如果CLAIM後去修, 自己出DEDUCTIABLE 300$, ICBC出剩下的幾十塊(也是錢), 會影響以後的保險嗎?

[幹]

總之就是花錢買保險，然後再花錢自己修。

保險公司就是莊家，必要時還可以出老千（編個理由升保費），坐地收錢啊~~~

[rea1]

不過ICBC還是比安省的收費要低不少。