買嚟嘥氣。首先要俾墊底費,而且當at fault claim。 然後更新燕梳就加價。如果真好大鑊既咪claim個City 囉。
https://www.tdinsurance.com/products-services/auto-car-insurance/tips-advice/pothole-damage#:~:text=Toronto%20pothole%20claim&text=If%20your%20vehicle%20was%20damaged,10%20days%20of%20the%20incident.&text=Once%20your%20claim%20is%20received,adjusters%20will%20conduct%20an%20investigation.
Does insurance cover pothole damage in Canada
If your car experiences damage caused by running over a pothole, your insurer will generally classify it as an at-fault collision, even if no other vehicles were involved, since potholes are considered "objects". And car insurance policies can cover pothole damage—if you have either Collision or All Perils coverage added to your policy.
Toronto pothole claim
Let's take a look at the city of Toronto as an example. If your vehicle was damaged from driving over a pothole on a road in Toronto and you want to make a claim against the city, you need to submit your claim within 10 days of the incident.4 Once your claim is received, Toronto's insurance adjusters will conduct an investigation.
And remember our tip to report troublesome potholes to your municipality? Toronto's claims investigation includes records from the Toronto Maintenance Management System (TMMS)—so if you (or anyone else) had previously reported the pothole involved in your claim, this report, along with the city's response, should be in these records (and may possibly help your claim).5
If you do have this optional coverage, however, you should consider the extent of the damage and the cost of repairs against the cost of your deductible before you submit a claim. It may make more sense to pay for the damage out of pocket if the cost of repairs is less than your deductible.