本文发表在 rolia.net 枫下论坛拿G1牌在停车坪出了事故，保险公司是否赔偿损失
二个星期前的早晨7点，我的邻居在楼下的停车坪试车，不小心意外的撞车了，当时打电话通知了侦察，侦察来了以后，说她是在自家停车坪撞的车，没有给罚单，只写了事故报告单。当时通知了她的保险公司，保险公司答复给修理，但垫底费500元由她出，但第二天保险公司打来电话说修理费要他们自己负担，理由是她拿的是G1的牌，她身边没有一个四年驾龄的司机坐在她的旁边，所以保险公司不负责她的汽车损坏的赔偿。但她询问了一些朋友他们有些说保险公司应赔偿她的损失。
1因为她没有开车上路，在公共场所危及他人。侦察没有给她罚单，也说明她并没有违反交通法规。
2 她是全新的车，车辆是全保，每个月保险费是230元，保险单上也有她的名字。车主是他的丈夫，但她也是车主之一，有了交通意外，保险公司也应该负责赔偿。
3 按北美的保险规定，是保车不保人，因为汽车损坏了，保险公司赔了加保险也是加她丈夫的。汽车受损应属于保险的范围。否则每个月出那么多钱买全保。
如果保险公司不负责赔偿她的汽车损失，她自己花钱修理了自己的汽车，保险公司是否还会涨她丈夫的保险。她撞坏另外的汽车的修理费是否他们自己的保险公司赔偿，还是由她的保险公司赔偿，或者是她的保险公司再找她赔。现在她弄不明白买保险究竟保的是什么内容
这些问题谁有经验和碰到类似的情况请帮助解答，多谢了！！！更多精彩文章及讨论，请光临枫下论坛 rolia.net

car, money, his wife

我这里是把租车跟买车和起来说。

1) 不对。任何人都可以在不买任何保险的情况下把车开上路。
我们需要强调的是不买第三方保险绝对不应该上路。不买第三方保险
上路是违法的。“不买你根本上不了路”是港式中文，表述不严格。
2) 。。。。。
3) a) 最好你问一下保险公司或看他的条款。有心得大家分享
b) 应该有。最好还是要问。

上面这个3)是我最有疑问的。大家有意见继续贡献出来么。

If you loan your car to someone who is not a driver listed on your policy and that person has an accident, your insurer will repair your car according to the coverages you have arranged for your car. You, as the car owner, and the driver are protected for third party liability by your insurer up to your policy limits.
大意：你的保险赔你的车，及你和驾驶人的第三方保险。

When your policy renews, you will be charged with that claim if the driver of your car is deemed to be wholly or partially at fault even though you were not driving the car. The only way to avoid this is to prove to your insurer's satisfaction that the at fault driver has been charged with the accident on his or her own policy.
大意：如果事故责任在开你的车的驾驶人身上，明年你的保费会涨，但如果他的保费因此涨了，你的就不会涨。

本文发表在 rolia.net 枫下论坛A Temporary Substitute Automobile is one that you are using while your vehicle is being repaired or serviced (or when your car has been stolen). The policy of the owner of the vehicle you are driving is primary (that is, it's first in line to respond to claims). Your policy would be called upon to pay only if the other vehicle did not have insurance or if the limits were insufficient to pay a judgment. There is no coverage for damage to the vehicle itself, unless it can be proven that you were legally responsible for the damage.

It is important not to remove insurance coverage from a vehicle that has been destroyed or stolen before it has been replaced by another vehicle. By doing so, you would be eliminating the benefit provided for the temporary substitute vehicle that you may be operating at the time.

Coverage also applies to private passenger vehicles other than those described in the insurance policy when driven by you or your spouse. Your policy will cover Third Party Liability, Accident Benefits, Uninsured Automobile and, in Ontario and Quebec, "Direct Compensation -- Property Damage."

Examples of when this coverage might be triggered if you are in a collision are:
you are driving a rental car on vacation;
you are driving a friend's car at his or her invitation;
you have borrowed a visitor's car for a trip to the store.更多精彩文章及讨论，请光临枫下论坛 rolia.net