Q: What is included in collision and comprehensive coverage?
A: Collision coverage will protect your vehicle against any damage caused by impact with another vehicle or an object such as a guard rail.
Comprehensive coverage will protect your vehicle from other losses, such as fire, theft or vandalism.
A: A deductible is the amount you have to pay towards any claim you make under your vehicle insurance policy. For example, if you have an insurance policy with a $500 deductible and you have an accident which results in $2,000 worth of damage to your vehicle, you would be responsible for paying your deductible and your insurance company would pay the remaining $1,500.
Q: How can I pay for my auto insurance premium?
A: You have several payment options. These include regular pre-authorized chequing account withdrawals or credit card debits (Visa or Master Card) and lump sum payments. At this point, you cannot use a bank machine to pay your insurance premium.
Q: How do I set up a pre-authorized chequing payment?
A: To take advantage of pre-authorized chequing withdrawals, all you need to do is give us your bank's transit and institution number, as well as your account number. We automatically debit your account on the date you have requested. No void cheque is required.
Q: If we have an account at RBC Royal Bank, do we get a better price?
A: Current legislation prevents us from extending any kind of preferential pricing to RBC Royal Bank customers. Our insurance solutions are competitively priced and we also offer a variety of discounts and savings.
Q: If I have no accidents or claims, will I pay less for my auto insurance?
A: Your driving record is one of many different factors that determine your insurance premium. If you're an experienced driver with a claim-free and accident-free driving history, you can probably expect to pay lower premiums.
Q: I've had a minor accident and don't plan to make a claim. Do I still have to tell my insurance company?
A: Yes, you do. Your insurance coverage is based on your driving record and your insurance company needs to know all the facts. In addition, if you were involved in an accident with another vehicle, the other driver may claim from their insurance company - and their insurance company will communicate with yours.
Q: Do some vehicles cost less to insure than others?
A: Some vehicles are more likely to be stolen than others - and statistically, some vehicle models are involved in more accidents than others. As a result, insurance premiums can be higher for particular vehicles. An easy way to check before buying a new vehicle is to get insurance quotes for two or more different models.
첫댓글 합리적이고 경제적인 결론을 내리기 까지 많은 생각과 연구가 있었겠군요. 한국에서는 대충 남들 하는대로 따라 가면 되었지만 다른 언어 문화권에 서는 해치워야만 되는일 이 있다면 신경을 곤두 세워 많은 생각을 해야 겟다는 생각을 하게 되군요. 또 그렇게 해야만이 빨리 그언어 문화권에 자연스레 접근하는길이겠죠.
귀한 정보 감사드립니다^^