换车险 Auto Insurance 要注意什么?

根据 提醒大家,车险每半年记得换保险公司 建议,最近在quote车险。但是遇到了几个问题:

一 什么算accident? Progressive 这么描述的:
Accidents, claims, or other damages you had to a vehicle?
e.g.: hitting a car/object/property/animal, car hits you, weather, vandalism, theft, hail

那么,

  1. 停车蹭坏了轮胎然后修/ 换了轮胎算不算accident?

  2. 停车蹭坏了轮毂然后修/ 换了轮毂算不算accident?

  3. 停车被别的车蹭了,DIY补了下漆算不算accident?

  4. 被别的车撞了,私了没有修车,或者DIY修了车算不算accident?

  5. 被别的车撞了,走了对方保险,没有上Carfax, MVR, CLUE记录,算不算accident?

  6. 朋友开我的车被别的车撞了,走了对方保险,没有上Carfax, MVR, CLUE记录,算不算我的accident?

根据 What to tell your new insurer about an old accident | CarInsurance.com,

  • If your state places accidents on your driving record, then the accident will be seen when a car insurance company pulls your motor vehicle record (MVR) to determine your final premium amount.

  • If the accident isn’t placed on your MVR, claims paid out for damage to the SUV, or damages you caused others, will still be on your claims history (C.L.U.E. report) – another document that insurers obtain before finalizing your rate quote.

  • Typically, an at-fault accident would result in you being surcharged (receiving higher rates) for the next three to five years (depending upon state laws and the individual insurers’ rating system).

MVR (WI) 理论上应该包括

  • Contains your current driver license information (e.g. name, address, height, weight, etc.)

  • Driving record for the past five years (i.e. crashes, speeding tickets, etc.)

    • Most entries remain on your record for five years, except for serious offenses or alcohol related convictions which may remain permanently on your record.

于是我就花了5大洋,去DMV线上买了我的MVR,万万没想到,里面什么都没记录,甚至没有我理赔过的collision.

心在滴血的我又去看了看CLUE (Comprehensive Loss Underwriting Exchange), 还好根据FACT Act (对就是信用卡那个), CLUE每12个月免费领一次:
https://consumer.risk.lexisnexis.com/
然而这个不是实时的,在线填表后要等mail, 然后才能在线看CLUE.


二 什么算Tickets or Violations?

Parking tickets:
根据 Do I need to tell my new insurance company about my prior parking tickets? | Jerry : Parking tickets do not need to be disclosed to your new insurance company. Non-moving violations like parking tickets and equipment violations are not surcharged.

我看大多数网站说的是 As long as you pay your ticket on time, parking tickets should not affect your insurance rates. 这是否等价于不用告诉保险公司?

Speeding tickets:
没有上记录的tickets要不要报?被tribal police开过罚单,但是警察明确表示不会上任何记录。


三 Annual Mileage

这个往少了报有什么后果?如果我去年开了很多,今年确实不打算怎么开,填了很小的数字,算不算欺骗?


四 拒保问题

会不会像医疗险那样,因为没有“如实告知”而拒保?比如忘记报了小刮小蹭,或者忘记报了一个speeding ticket. 理论上quote的时候保险公司就已经查过了MVR和CLUE, 并相应地增加了保费。

还有超过五年的accident/ tickets还需要详细上报吗?


五 除了MVR和CLUE, 还有什么reports需要关注?

我搜到了这个 Do I Have to Tell My Insurance Company If I Get A Speeding Ticket? | TheTruthAboutInsurance.com :
A third report, which not all insurers review, is a “Potential Household Member” report, which provides the insurance company with the names and birthdays of all potential drivers in your household.


总结:呜呜呜我不换保险了。

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省流:troll:

其实都无所谓,那些事故违章什么的能想起来就写,想不起来的,保险公司都有记录,会跟你一条一条核对,甚至有些IT强大一点的公司比如progressive,进入下一步付款的时候各种事故记录就全在上面了,我就遇到过quote完挺便宜,进入下一步付钱的时候,价格就翻倍了。

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无事故记录无claim记录无ticket路过