n**y
发帖数: 154 | 1 如题，打算购入一台2009年的CRV，迈数7万。在网上看车险(Geico)。
求教各个选项额度：
1.Bodily injury Liability 需要尽量高吗？
2.Property damage liability 同上
3.Personal injury protection 同上
4.Uninsured motorist bodily Injury 同上
5.Uninsured motorist property damage 这个就是车价就可以了？
6.Upgrated Accident Forgiveness 这个有必要吗？
7.Comprehensive 听版上说选0也没啥
8.Collision 这个不是很清楚。不知道多少合适
9.Emergency road assistance 买这个，还是买AAA？
10.Rental reimbursement
求建议。本人相对偏保守。 |
|
i****a
发帖数: 36252 | 2 99.9% chance the la mo does not have insurance. and 99.99% he doesn't have
money to pay you.
in some states, uninsured motorist option covers property damage
in all states, I think, uninsured motorist covers medical payments |
|
k**********n
发帖数: 49 | 3 German cars 'among worst for engine failures'
18 Jan, 2013 3:05pm Claire Holden
Audi, BMW and VW ranked in the bottom 10 of a study into engine reliability
German-made cars are not as reliable as many believe, according to new
research. Warranty Direct has studied its claims data to compile a list of
the manufacturers with the most reliable engines - and Audi, BMW and
Volkswagen all finished in the bottom 10 out of a total 36 makers.
In fact, the only firm whose cars had a worse engine failure r... 阅读全帖 |
|
m*****3
发帖数: 13701 | 4 没经验，这个属于“falling object”，所以给你按 comprehensive 修，以后应该不
会因为这个涨你的保险。uninsured motorist 估计不可能。
掉下来的）。由于太突然，没有减下来速。车的前脸都废了，而且机油都漏出来了。想
请教一下，保险公司说要走comprehensive, 这样的话需要付deductible,这样的保险能
走uninsured motorist么？警察给了个report number.请有经验的大侠能回答一下么？
万分感谢。谢谢 |
|
f********e
发帖数: 100 | 5 Is this too expensive?
Bodily injury liability $90.60
$100,000 per person/$300,000 per occurrence
Property Damage Liability $89.10
$50,000 per occurrence Pays if you are responsible for damage to another
person's property.
Basic Personal Injury Protection $70.00
Basic Non-Deductible Covers you, your family, and your passengers if they
are injured in an accident, regardless of fault. Some exclusions may apply.
Uninsured Motorist - Supplementary Uninsured Motorist $11.60
$100,000 per person/$300,0... 阅读全帖 |
|
A***x
发帖数: 83 | 6 I think I need to talk with Geico...
Mine is also 6 month, full coverage:
Bodily Injury Liability $127.00 $30,000 per person/$60,000 per occurrence
Property Damage Liability $204.70 $10,000 per occurrence
Uninsured Motorist & Underinsured Motorist $37.70 $30,000 per person/$60,
000 per occurrence
Collision $727.20 Deductible: $500 Pays for damages to your vehicle caused
by a collision or when it overturns.
WTF GEICO?!
And you think yours is expensive... |
|
f********s
发帖数: 142 | 7 Bodily Injury Liability(BI) $100,000/$300,000 $381.00
Property Damage Liability(PD) $100,000 $302.
30
Medical Payments(MED) Not Included N/A
Uninsured & Underinsured Motorist $100,000/$300,000 $81.40
Comprehensive(COMP)
2015 TOYOTA HIGHLANDER $1,000 deductible $70.40
Collision(COLL)
2015 TOYOTA HIGHLANDER $1,000 deductible/Collision Deductible Waiver
$369.40
Uninsured Motorist Proper... 阅读全帖 |
|
d*********e
发帖数: 40 | 8 BODILY INJURY LIABILITY $20,000/$40,000
PROPERTY DAMAGE LIABILITY $15,000
UNINSURED MOTORIST BODILY INJ $20,000/$40,000
UNINSURED MOTORIST PROPERTY DAMAGE INSURED REJECTS $250 DED
兄弟帮忙看看 这个情况下 170如何？
谢谢！ |
|
s*****6
发帖数: 499 | 9 Personal injury protection大家都买多少？可以买个最低数，如果出事，走自己的医
保看病得了吗？另外uninsured motorist damage是对方全责，又无保险，自己claim自
己保险赔偿。为什么卖保险的agent说这项买个最低要求数$5000即可，因为如果真出了
这种事，$5000不够的话，走collision。我原以为走unIsured motorist damage,可以
不用交deductible.这就是和collision的区别，他说也要交deductible的。那买这个还
有什么意义啊 |
|
G***e
发帖数: 404 | 10 不过我这保险没有Underinsured Motorist和Underinsured Motorist Property Damage。
我这辆旧车就值8000了现在，不知道值不值加这个comprehensive和collision. |
|
H***e
发帖数: 471 | 11 不知道你们州怎么规定的，我们州交规写的很明白，路边的车开门被正常行驶的车撞了
门，路边的车责任基本跑不掉。
A motorist should always check for traffic when leaving a vehicle after
parking.He/she should also check for bicycles or mopeds, which are sometimes
difficult to see, before opening the driver-side door and exiting the
vehicle. A motorist opening a door into traffic may be liable for any
collision with a moving vehicle. It is safer for passengers to exit a
parked vehicle from the curb side. |
|
s**********1
发帖数: 4651 | 12 目前我的车保是全保，现在车已经4年了，价值大降，所以我想只买liability，就是只
保我的责任时候对方的各种费用。请问那些项目要买。
bodily injury
property damage
personal injury protection medical hospital benefits within 3 years of
accidents
underinsured motorist bodily injury
underinsured motorist property damage
comprehensive
collision
transportation/rental |
|
d*******s
发帖数: 1548 | 13 This coverage is available in certain states and only if you have Uninsured
Motorist Coverage. With this coverage, if an accident with an uninsured
motorist causes damage to your auto, and if you have the correct
documentation that the other party is at fault and uninsured, you can
collect your collision deductible back from your insurance company. However,
this cannot be done until the repairs to your vehicle have been completed. |
|
b*******l
发帖数: 1095 | 14 看到你说“怕超过我的承受范围太多了” 有个感觉：你心里面已经有心理准备承受某
部分赔付。。。
不过，你就似乎在做保险公司的角色，自己给自己上保险，不出事，赚了；出事，认了。
我只是担心，美帝的律师猛于虎啊。
）另外有人提到 uninsured motorist，如果对方有买这个险，他/她就简单，因为已经
证明责任方（你）没有保险，他/她就可以用这条款从他自己的保险得到应得的赔偿（
按加州的法规
）。
但保险公司不是慈善机构，它慷慨地陪出去的每一分钱，都会往你名下挂。你可以不还
，但你不可以有钱，或者说，你不可以有收入，不然会定时从你的收入扣除。连本带利
，到付清为止。
如果他没有uninsured motorist 这项，他/她的保险公司不会管（赔）她，但对方保险
公司同样会将他/她的损失挂到你名下，同时没完没了的追你赔付。。。。不过这这情
况下，律师接他的案件的积极性会按指数级下降，医生也会让对方先付费再治疗（这样
伤者的治疗次数通常也会锐减）。 |
|
x********o
发帖数: 25 | 15 先谢谢了，分析得非常具体。确实我是做好了赔付的准备的，想请问您一下您说的律师
猛于虎具体是指什么呢？是关于车辆自身damage还是医疗方面？另外如果对方有
uninsured motorist这个保险，他的保险公司还会过来问我要同样数额的钱吗？如果是
这样的话，不管买不买这个保险，那保险公司总是要问那个没保险的at fault driver
收同样的钱，为什么大家要额外去买这个uninsured motorist？谢谢
了。 |
|
b********6
发帖数: 35437 | 16 坚持stop sign有路权的可以去把wiki pedia改一下
http://en.wikipedia.org/wiki/Right_turn_on_red
At intersections where U-turns are permitted and controlled by an arrow from
the left-most lane, motorists turning right on red onto the same road ***
must yield to*** those making U-turns before turning, as the motorists
making U-turns have the right of way and a collision could easily occur. At
intersections where U-turns are prohibited in the same fashion, a green
right turn arrow will sometimes appear with the re... 阅读全帖 |
|
b********6
发帖数: 35437 | 17 http://en.wikipedia.org/wiki/Right_turn_on_red
At intersections where U-turns are permitted and controlled by an arrow from
the left-most lane, motorists turning right on red onto the same road ***
must yield to*** those making U-turns before turning, as the motorists
making U-turns have the right of way and a collision could easily occur. At
intersections where U-turns are prohibited in the same fashion, a green
right turn arrow will sometimes appear with the red light for those turning
right o... 阅读全帖 |
|
b*******l
发帖数: 1095 | 18 你有uninsured motorist保险
如果证实对方没有保险，你就可以用你自己的这个保险
至于你的 Uninsured motorist 保险包括什么选项，就要查看你自己的保险单了 |
|
I*D
发帖数: 40035 | 19 the following coverage detail is for my two cars in six months.
Bodily Injury Liability ?
$101.86
$300,000 per person/$300,000 per occurrence
Property Damage Liability ?
$122.37
$100,000 per occurrence
Personal Injury Protection ?
$12.37
OPTION A($2,500/Waived)
Uninsured Motorist Bodily Injury ?
$52.78
$300,000 per person/$300,000 per occurrence
Uninsured Motorist Property Damage ?
$100,000/$250 Ded.
$9.58
Total: $597.57/6months |
|
n******i
发帖数: 598 | 20 Premium
Bodily Injury Limits
$100,000/$300,000
Property Damage Limit
$100,000
Medical Payments Limit
$10,000
Personal Injury Protection Plan
I decline
Uninsured/Underinsured Motorist Bodily Injury Limits
$100,000/$300,000
Uninsured Motorist Property Damage Limits
$50,000
Coverage
Terms
Premium
Comprehensive Coverage & Deductibles
$500
Collision Coverage & Deductibles
$500
Towing and Labor
I decline |
|
m*********r
发帖数: 1797 | 21 半保包括 uninsured motorist or underinsured motorist么？还是只有 liability?
打电话给保险公司是最好的选择 |
|
B********d
发帖数: 1893 | 22 我给你找到了，你自己去读吧。
Left-lane slowpokes face tougher time under new Illinois law
January 04, 2004|By Rick Popely, Tribune staff reporter.
6397
Drivers who think they own the left lane on expressways and interstate
highways will have to move over for faster traffic or risk a $75 fine under
a new Illinois law that took effect Jan. 1.
The law, one of several new measures affecting Illinois drivers, states that
the left lane should not be used "except when overtaking and passing
another vehicle" (this se... 阅读全帖 |
|
f*******n
发帖数: 12623 | 23 1. 一般人都有uninsured motorist保险。就算半保也很多时候有。uninsured
motorist保险不用交deductible。
2. 司机是不是车主无关。一般车的保险保险就保所有开这辆车的人。你不确定人家车
主是否有保险。 |
|
k****n
发帖数: 938 | 24 刚经历过类似事件，所以提供一下我的经历给你参考。
事故：红灯追尾，轻微碰撞，bumper paint scratches，拍了肇事车照片，交换了保险
信息，没有报警。地点：MD
和肇事司机的保险公司联系之后，被告知其保险已经过期。试图联系肇事司机，但是没
有结果，只好走自己保险公司的uninsured motorist coverage。
Claim过程很简单，叙述事情经过，提供对方信息等等。我的deductible是500，但是保
险公司告诉我如果能提供police report的话可以减到250。
找到local police station，找执勤警察report a car accident，警察给了一个case
number和他的联络信息，没有给police report。
找了一个body shop做了免费estimate，大约800余。（保险公司也有合作的body shop
，但是我自己选了一个独立的离家近的。）
把事故时拍的照片，连同estimate和police case number, contact info都给保险公司
。保险公司联系police并且order了... 阅读全帖 |
|
W******r
发帖数: 26 | 25 你的车险是否有uninsured motorist coverage?
如果有的话，可以向你的保险公司询问相应的索赔程序，你保险的uninsured motorist
coverage会赔偿你车修复损失以及你受伤治疗跟康复的费用。
楼主是加州的吧？
加州法律规定如果满足以下3项中1项，需要向DMV报告事故。
1. 交通事故损失金额大于$750；
2. 有人受伤；
3. 有人死亡。 |
|
c*****u
发帖数: 867 | 26 Bodily Injury / Property Damage：
$100,000/$300,000/$100,000
Uninsured Motorist Bodily Injury：
$15,000/$30,000
Uninsured Motorist Property Damage C-2 With Collision：
Yes
Comprehensive：
$1,000
Collision：
$1,000
Glass Deductible Buyback：
Yes
Towing and Road Service：
Yes
Collision Plus/Loss Of Use - K4：
Yes
Additional Equipment：
$1,000
现在加州，请问上面你这些保额够用了吗？
insurance agent给开的价格是每半年$698.40。 |
|
t********9
发帖数: 105 | 27 我的汽车保险马上就要到期了。吐槽一下保险公司，不管你安全驾驶记录及其它各种因
素，这个保费就是连年上涨。要想调低保费，只能从降低或取消某些理赔条款入手。请
大家帮忙看看我两辆车的保险条款是否合理。有哪些可以考虑调低或取消的。我知道每
个人都是根据自己的情况来决定保什么，保多少。还是想在这里诚心听取一下大家的建
议。请勿拍砖。谢谢！
Total 6 months Premium for Two Cars: $421
Bodily Injury Liability: $100,000/300,000 - $91.6
Property Damage Liability: $100,000 - $79.2
Uninsured Motorists: $100,000/300,000 - $13.4
Underinsured Motorist: $100,000/300,000 - $18.6
Comprehensive: $500 Deductible - $76.8
Collision: $1000 Deductible ... 阅读全帖 |
|
s*******l
发帖数: 3691 | 28 Coverage Limits Cost
Bodily Injury Liability(BI) $500,000/$1,000,000
Property Damage Liability(PD) $200,000
Medical Payments(MED) Not Included N/A
Uninsured & Underinsured Motorist N/A
Comprehensive(COMP)
$500 deductible
Uninsured Motorist Property Damage
Not Included N/A
Collision(COLL)
$500 deductible
Emergency Road Service(ERS)
Not Included N/A
Rental Reimbursement(RR)
Not Included N/A |
|
V****o
发帖数: 210 | 29 半保，车况还好，平常开的不多，就是周末开开。哪些需要调整一下，谢谢。
Bodily Injury Liability
$100,000 per person/$300,000 per occurrence
Pays if you are responsible for another person's injury or death in an auto
accident. It also pays for your legal defense.
Property Damage Liability
$100,000 per occurrence
Pays if you are responsible for damage to another person's property.
For You
The below coverages pay out to you and your passengers.
Basic Personal Injury Protection
$200 Deductible
Covers you, your family, and your passenge... 阅读全帖 |
|
r***i
发帖数: 9780 | 30 臭不要脸的田托
最开始760，现在690
Bodily Injury Liability
$300,000 per person/$500,000 per occurrence
Property Damage Liability
$100,000 per occurrence
Uninsured Motorist & Underinsured Motorist
$300,000 per person/$500,000 per occurrence
Comprehensive
Deductible: $250
Collision
$500 Ded./Waiver
Emergency Road Service
Full Coverage Vehicle
Rental Reimbursement
$50/Day, $1,500Max
lz这个如果和我这个选择差不多，那价格应该算很不错了 |
|
T***e
发帖数: 70 | 31 我的保险有这个：
Uninsured Motorist - Supplementary Uninsured Motorist
我先问问geico吧 |
|
h*******s
发帖数: 616 | 32 严格来说，是不可以 claim uninsured motorist 的。因为对方根本不是 motorist。
当然，可以装傻照 Claim。但 appraiser 很容易看出来是不是汽车碰撞。 |
|
s*****7
发帖数: 281 | 33 我记得问过agent这个问题。她的意思是说。要用uninsured motorist。你得证明确实
是别人造成你的车的损坏。
也就是你得抓到这个人。我猜楼主至少得拍个他的证件吧
我当时没有细问。只是如果出了事故。用行车记录仪拍的照片。再来个驾照。也许就够
了。可以问问保险公司
才看到楼主没有uninsured motorist。我觉得可以私了。 |
|
e***7
发帖数: 862 | 34 被其他车刮擦，油漆掉了一些，自己的是geico的，有Uninsured Motorist &
Underinsured Motorist coverage，这种情况最好是找geico修了，还是不报不涨保费
比较好？ |
|
G********1
发帖数: 1341 | 35 At intersections where U-turns are permitted and controlled by a U-turn
arrow from the left-most lane, motorists turning right on red onto the same
road must yield to those making U-turns before turning, as the motorists
making U-turns have the right of way and a collision could easily occur.
摘自维基百科
https://en.wikipedia.org/wiki/Turn_on_red |
|
z****n
发帖数: 5870 | 36 2012 Odyssey + 2006 Civic
A. Bodily Injury $100,000 each person $300,000 each accident
B. Property Damage $100,000 each accident
C. Medical Payments $25,000 each person
D. Uninsured Motorists Bodily Injury $50,000 each person $100,000 each
accident
E. Uninsured Motorists Property Damage $50,000 each accident $250
deductible applicable to PD Liability
F. Collision Actual Cash Value less $250 deductible
G. Comprehensive Actual Cash Value less $250 deductible
H. Extended Tr... 阅读全帖 |
|
j*******3
发帖数: 23 | 37 求教怎么办？是不是打电话给自己保险？自己是新车买的全保。其中有Uninsured
Motorist & Underinsured Motorist coverage. |
|
发帖数: 1 | 38 刚刚看了一下，我的保险是有Uninsured Motorist & Underinsured Motorist PD。里
面注明了“Pays for vehicle damage caused by drivers who don't carry enough
coverage to pay for the damage.”。而且deductible还是500。。。感觉还是不划算
啊 |
|
a******o
发帖数: 16625 | 39 多少100k。什么是under？
[在 txdog (none) 的大作中提到：]
:自己有医疗保险，是不是这个买个最低的就行了？谢谢！ |
|
n*****s
发帖数: 6495 | 40 假设别人撞了你，按道理他的人身伤害liability应该赔你医疗费10万和心理伤害，误
工费50万
对方要没有保险，你自己的医保只能支付医疗费用，而且可能有copay和医院选择的限
制。有一项叫medical payment可以不要 |
|
|
a*******A
发帖数: 63 | 42 请大家看看
Medical Payments
$1K
Uninsured Motorist Property Damage
No Coverage
Rental Reimbursement
$30 / $900
Uninsured/Underinsured Motorist Bodily Injury
$100K/$300K
Bodily Injury
$100K/$300K
Collision Deductible Waiver
$500
Comprehensive Deductible
$500
Property Damage
$100K
Roadside Assistance
Included
Collision Deductible
$500 |
|
发帖数: 1 | 43 先跟大家分享一个小故事，我室友前段时间花了7500刀买了一台她梦寐以求的小车车，
然后10天就10天就华丽丽的撞车了。 本人是属于驾驶记录比较好的， 所以我自己买的
就是liability保险。于是当时提车出门的时候，我也就叫她买了个liability。结果这
一场撞车下来，我室友的责任，7500刀买的车现在要自己出$5300修车。这台小车车很
可怜的躺在修车厂三个月无人问津。鉴于我室友的前车之鉴，我默默的收起自己的flag
, 认真的研究了一下车险，现在想在这里给大家一一细致的解释一下如何选择车险。
首先呢，车险分为两个部分，出了是自己责任的事故，保险公司将依据你买的保险赔付
给对方和赔付给你的。
只赔付给对方的叫做liability，也就是上述故事我室友买的那种保险。这种保险非常
便宜，但是但凡遇上像我室友这种情况，就只能打碎牙往自己肚子里吞。
1.Liability分为三个部分分别是body injury, property damage和uninsured
motorist coverage。
a. Body injury呢就是顾名思义，人身赔偿，但凡对方觉得自己有受伤，他们呢... 阅读全帖 |
|
s**s
发帖数: 260 | 44 Bodily Damage: 100,000/300,000
collision: deductible 500 or 1000 for new cars
comprehensive: deductible 500 or 1000 for new cars
Property Damage: 50,000 or 100,000
Uninsured Motorist: 25,000/500,00 depends on your car value
Liability for Bodily Injury – The minimum coverage for bodily injury varies
by state and may be as low as $10,000 per person or $20,000 per accident.
Many auto policies stop at a maximum of $300,000 or $500,000 per accident
for Liability coverage. If you injure someone wit... 阅读全帖 |
|
r***i
发帖数: 9780 | 45 你个sb不挨骂你浑身不舒服对吧
现在是半年486了，你的数据早该更新了
全保
$486.50半年
Bodily Injury Liability 300/500k
Uninsured Motorist & Underinsured Motorist 300/500k
Property Damage Liability 100k
Comprehensive Deductible: $250
Collision ? $250 Ded./Waiver
Emergency Road Service
Rental Reimbursement $35/Day, $1050Max
要不也亮亮你的保险？ |
|
o****n
发帖数: 281 | 46 有的，这个uninsured motorist保险property damage是300，也就是说修车费我出300
就可以了？医疗费也可以报销了？
[在 songshuguiyu (松鼠桂鱼) 的大作中提到：]
:有没有买uninsured Motorist?
:health |
|
发帖数: 1 | 47 新车GLC 300， 2019年版本， 坐标NJ。 GEICO 的保险quote了一下， 每个月要200多
刀，
麻烦大侠们帮忙看看这个 quote 需不需要调整， 还有问一下该怎么砍价？
New Jersey Tort Options
Limited Tort
Premium: Included
Bodily Injury Liability
$500,000/$500,000
Premium: $176.50
Property Damage Liability
$500,000
Premium: $159.40
PIP Expense Deductible
$250,000 limit medical/$500 deductible
Premium: Not Added
Add'l PIP Insured & Relative
I decline
Premium: Not Added
Add'l PIP Insured Only
I decline
Premium: Not Added
Uninsured & Underinsured Motorist
$500,000/$500,... 阅读全帖 |
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c********r
发帖数: 2227 | 48 怎么能这么低啊？
我的这个是我能选的最低的了。。。是不是州和州最低要求不一样？
Bodily Injury Liability $25,000/$50,000
Property Damage Liability $25,000
Medical Expenses Not Desired
Uninsured/Underinsured Motorist Bodily Injury $25,000/$50,000
Uninsured Motorist Property Damage $25,000 |
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c*********k
发帖数: 20696 | 49 俺选的是这些：
Bodily Injury Liability $300,000/$300,000
Property Damage Liability $50,000
Medical Expenses Not Desired
Uninsured/Underinsured Motorist Bodily Injury $300,000/$300,000
Uninsured Motorist Property Damage $25,000
人身保险还是拉高比较安全吧
万一有个什么事自己也不用太操心了
3万可能保险公司就不上心了，反正他才出两万五，剩下就看你自己的
要是对方要30万，保险公司也愿意好好的让律师去argue的 |
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c********r
发帖数: 2227 | 50 收到
正好四月份要更新了，准备换家公司
贴的那些事前些日子做的quote，半保，109 半年
不知道换了会加多少
俺选的是这些：
Bodily Injury Liability $300,000/$300,000
Property Damage Liability $50,000
Medical Expenses Not Desired
Uninsured/Underinsured Motorist Bodily Injury $300,000/$300,000
Uninsured Motorist Property Damage $25,000
人身保险还是拉高比较安全吧
万一有个什么事自己也不用太操心了
3万可能保险公司就不上心了，反正他才出两万五，剩下就看你自己的
要是对方要30万，保险公司也愿意好好的让律师去argue的 |
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