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@Atlanta

刚刚跟STATE FARM的一个经理通了EMAIL。解答了关于“夫妻用同一辆车”及“骑单车被撞”的事。内祥：

lming(lming)
本文发表在 rolia.net 枫下论坛I will try and answer your questions, however please remember all insurance companies are different and I am only really in tune with State Farm, however we all follow for the most part the same guidelines.

With respect to your questions, here are my notes:
Insurance companies no longer rate drivers as individual, they rate as a household, so if there are 2 drivers and only 1 car, both licences determine the rate of insurance, therefore the wife's accident will play a part in the rate even though the husband may be the only driver. The only way around that is to have the wife surrender her licence, but can't say that I agree with that as she would then have to start all over in the licensing process again.
Most companies will not "exclude" a wife as a driver - what that means is that she keeps her licence but if she touches the car, there is no coverage. That is a thought...

If they separate, he would need to prove separation. We normally request drivers licence showing another address - however, again if she touches the car, no coverage as technically, she is considered an excluded driver in this manor as well.

A bike is considered a vehicle (not motorized) but falls into the same category with respect to tickets issued by the police. A careless ticket is considered a major driving offence and they are quite steep in price. This type of ticket stays on his record for 5 years (as it is a major conviction) and yes, would effect his insurance rate on a car quote for the full 5 years.更多精彩文章及讨论，请光临枫下论坛 rolia.net
(#2303225@0)
Last Updated: 2005-5-18
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Replies, comments and Discussions:

  • 枫下家园 / 爱车一族 / 刚刚跟STATE FARM的一个经理通了EMAIL。解答了关于“夫妻用同一辆车”及“骑单车被撞”的事。内祥： -lming(lming); 2005-5-18 {1529} (#2303225@0)
    本文发表在 rolia.net 枫下论坛I will try and answer your questions, however please remember all insurance companies are different and I am only really in tune with State Farm, however we all follow for the most part the same guidelines.

    With respect to your questions, here are my notes:
    Insurance companies no longer rate drivers as individual, they rate as a household, so if there are 2 drivers and only 1 car, both licences determine the rate of insurance, therefore the wife's accident will play a part in the rate even though the husband may be the only driver. The only way around that is to have the wife surrender her licence, but can't say that I agree with that as she would then have to start all over in the licensing process again.
    Most companies will not "exclude" a wife as a driver - what that means is that she keeps her licence but if she touches the car, there is no coverage. That is a thought...

    If they separate, he would need to prove separation. We normally request drivers licence showing another address - however, again if she touches the car, no coverage as technically, she is considered an excluded driver in this manor as well.

    A bike is considered a vehicle (not motorized) but falls into the same category with respect to tickets issued by the police. A careless ticket is considered a major driving offence and they are quite steep in price. This type of ticket stays on his record for 5 years (as it is a major conviction) and yes, would effect his insurance rate on a car quote for the full 5 years.更多精彩文章及讨论，请光临枫下论坛 rolia.net
    • 表扬一下，干了一件大好事 -oasis(oasis); 2005-5-18 (#2303235@0)
      • 前两天你还说人家“整个在胡说，请不要不懂装懂，误导别人！“。不过，该了就是好同志。 -apple747(iMac); 2005-5-19 (#2303857@0)
        • 这很正常，我从来对事不对人。 -oasis(oasis); 2005-5-19 (#2303980@0)
    • 我来做好事，把大概意思说一下：（1）汽车保险以家庭为单位，所以一个家庭夫妻2人只有一辆车的话，就默认两个人是相联系的；如果分居，一般以一个驾照是另外的地址来区别，这个人可以不在保险范围内，不受保； -forbaby(ForBaby); 2005-5-18 {38} (#2303246@0)
      （2）自行车以车辆来处理，跟保险5年整。
      • 这句啥意思 -oasis(oasis); 2005-5-18 {393} (#2303259@0)
        The only way around that is to have the wife surrender her licence, but can't say that I agree with that as she would then have to start all over in the licensing process again.
        Most companies will not "exclude" a wife as a driver - what that means is that she keeps her licence but if she touches the car, there is no coverage. That is a thought... [ 相约加拿大:枫下论坛 rolia.net/forum ]
        • XB您看帖仔细！ -forbaby(ForBaby); 2005-5-18 {435} (#2303295@0)
          我猜是取消妻子的驾照吧，那么妻子就要重新考驾照。绝大多数公司不会把妻子“排除”在司机之外－－所谓“排除”，就是她保留自己的驾照、但是不动汽车，如果动了就没有保险保她。这是我（E-MAIL的作者）的一点想法......


          我也冒出一点想法：那么怎么才能“取消”自己的驾照呢？网站上应该能查到。重新考有什么制约吗？

          如果门槛很低的话，那么岂不是出了事故的人自己取消驾照然后重新考就可以了？然后买保险，至少比5年历史记录或者高额保费强啊。瞑想中......
          • "是她保留自己的驾照、但是不动汽车，如果动了就没有保险保她。" 这里的'动' - 'Touch' 是什么意思? Touch 是指开车还是"摸"一下就算... -hahahaly(hahahaly); 2005-5-19 (#2303459@0)
            • 是指开车。 -lming(lming); 2005-5-19 (#2303556@0)
            • 当然是摸。Touch 就是摸的意思，不是开车。例如：Final Touch —— 最后一摸，Touch Up —— 向上摸。呵呵。 -rollor(Rollor); 2005-5-19 (#2303932@0)
              • 还有Touchy --- 摸不得 -canadiantire(轮胎-M.I.N.K.); 2005-5-19 (#2304196@0)
          • 这种情况和如没驾照的骑车人被警察拿下是一样的，到时候他考了驾照，保险一样受影响，而且在办保险时人家要你填以前拿过tickets吗？你敢说不吗？所以我想你不用冥想了，驾照取消也不行。 -torontoman2000(steven); 2005-5-19 (#2304191@0)
            • 所以，骑自行车外出时不要带驾照，带了也不给警察看。违章之后，姓名地址乱说一通，谁也拿你没办法。不过，如果被撞了想要得到赔偿，就要权衡利弊了。 -rollor(Rollor); 2005-5-20 (#2305655@0)
              • 罪加一等“伪造文件”， 那就变成刑事罪了。亲眼所见。 -canadiantire(轮胎-M.I.N.K.); 2005-5-20 (#2305660@0)
                • 说说详情。我只是听律师说，只要没开车，警察无权查阅你的证件，除非他有搜查证。 -rollor(Rollor); 2005-5-20 (#2305673@0)
                  • 我在学校的时候认识的一同学。平日酷爱滑板。但学校有很多bylaw,这里不能滑、那里不能滑。平时没人管，无所谓。这一天偏偏有个警察盯上了。告诉他不能在这里滑。他答应了一声就过去了。 -canadiantire(轮胎-M.I.N.K.); 2005-5-20 {512} (#2305697@0)
                    当天晚上的时候，又看见他在滑。就把他拦下（警察是对的，晚上滑开车司机看不清，很危险),问他驾照，他说没带。问他姓名、证件号码，他就胡编了一个。警察毕竟老奸巨滑，说了一会儿别的又绕回来，又问了一遍。毕竟土生土长的孩子，什么没见识过？这个小子居然把刚才编的又重复一遍。警察以为没事给他一张ticket就放他走了。

                    于是就有了第二天惊心动魄的一幕。警察冲进实验室抓人，那个光景只有在COPS里面才见识过。他还想跑被警察按在墙上铐上手铐带走了。被指控document fraud. 后来的事情我了解得不多，听说是plead guilty了。什么deal我不知道。
                    • 这么恐怖？以后我要加上一句：不要在家门口撒谎。 -rollor(Rollor); 2005-5-20 (#2305730@0)
                  • 说老实话，这加拿大有时候也有些挺邪门的事情。前几年看过一个叫Jaggi Singh的活跃分子被RCMP的便衣警察从校园劫持的事情，跟TMD秘密警察似的，恐怖/。 -canadiantire(轮胎-M.I.N.K.); 2005-5-20 (#2305733@0)
    • 谢谢！昨天还有人说我误导听众，看看！人民日报都这么说！ -wdfldrd400(快可立); 2005-5-18 (#2303327@0)
      • 难得呀，现在还不明白 -oasis(oasis); 2005-5-19 (#2303559@0)
        • 别急。慢慢来 -wdfldrd400(快可立); 2005-5-19 (#2304456@0)
    • 5年！？ -gentle(笨。拉登); 2005-5-18 (#2303329@0)
    • more reading regarding insurance risk points -speed(如风); 2005-5-18 (#2303352@0)
    • 表扬阿. 我还有疑问:我有G牌有一车, 上保险时我LP没有车牌, 后来她考笔试了G1, 因为不能开车也没有通知保险公司. 想等她拿了G2再通知, 这是否也算干了隐瞒的坏事啊? -hahahaly(hahahaly); 2005-5-18 (#2303382@0)
      • 没有问题。但有G2后要把她加上去。 -lming(lming); 2005-5-19 (#2303557@0)
        • 谁说的要加???? 你也可以不加,..如果她开你的车撞死人, 她又没保险, 车主你得付全责..之后她再与你离婚... -freeport(freeport); 2005-5-21 (#2307088@0)
          • 不知是否各省不一样,BC省和你说的差不多,但和楼主的信息正好相反 -lloydli(老朽); 2005-5-21 (#2307534@0)
    • 两项都明显是保险公司最大化自己利益的典范 -rc5(brokenheart); 2005-5-19 (#2303457@0)
    • 这么有用的帖子就精华了吧。记号。 -gagstrip(gagstrip); 2005-5-19 (#2303486@0)
    • COOL~ -casanova(大鼻子情圣); 2005-5-19 (#2303736@0)

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