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大宅

積分: 4601


發表於 08-5-22 23:27 |顯示全部帖子
要倍 $1000, 好肉赤。如经保險倍,又驚勁加保費,因我是新牌仔(1yr and 3 mths). 請給意見。


大宅

積分: 1760


發表於 08-5-23 07:21 |顯示全部帖子
maybe u should consult yr insurance agent for advise. ask him/her how much more u're expecting for your premium if u claim for it.

原文章由 3Y 於 08-5-22 23:27 發表
要倍 $1000, 好肉赤。如经保險倍,又驚勁加保費,因我是新牌仔(1yr and 3 mths). 請給意見。


複式洋房

積分: 253


發表於 08-5-23 12:25 |顯示全部帖子
自己賠. 因為新牌, 撞左下次加保費一定唔止加$1000.

原文章由 3Y 於 08-5-22 23:27 發表
要倍 $1000, 好肉赤。如经保險倍,又驚勁加保費,因我是新牌仔(1yr and 3 mths). 請給意見。


大宅

積分: 1760


發表於 08-5-23 14:01 |顯示全部帖子
well ... actually i had a similar experience when i had my license for about a few yrs. my friend also told me the same thing - pay for the damage out of my own pocket to keep the premium from going up. however, after i spoke with my agent, i'd eventually claimed for it (also for about $1000). it's not too bad, coz the premium didn't go up too much as i remember.

i just made a little stupid mistake yesterday on my way out to the garage and the passenger back door was damaged and need to be replaced. my agent told me that the premium only goes up for about $100-$200 a year if i claim for it. he said the insurance company would count it as 1 point as if i got a ticket.

原文章由 BabyRnC 於 08-5-23 12:25 發表
自己賠. 因為新牌, 撞左下次加保費一定唔止加$1000.



大宅

積分: 4601


發表於 08-5-24 08:08 |顯示全部帖子
多謝大家嘅意見。問過保險公司(當然是間接的問),佢地話claim 多過$700, 就要加1 point and add premium. 所以我都係決定自己俾。

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