[sixsea]

这个险占了保险很大一部分，看了以前的帖子说就算ICBC给赔付，也要涨保费。所以想知道这个险种是否可以不买？请帮忙分析一下利弊。多谢！

[Matrix]

怎么算，也算不过ICBC,

新车肯定要了，5000刀车以下的就不建议买了，小问题将就开，大问题直接报废

如果自己责任，感觉两三千刀小问题，都不值得报ICBC，自己扛，除非是十几年无事故的老司机

[5895]

Collision coverage usually covers all cost of repairing the damage on your own car after an accident which you will be responsible. Yes, you are right. If you choose to ask ICBC to pay your repair cost, your next year's premium will go up for sure. It's hard to decide whether buy or not buy above coverage.
If your car is leasing car, you have to have collision coverage. If you car is relatively new and you don't want pay a lot one time after an accident, you may need collision coverage. If you think you car is old and not worth it, you may ignore that coverage. It's really case by case and person by person.

If you want to get more detail information, please feel free to contact me @ 604-618-6190 or email me: phil_wang2004@hotmail.com My name is Philip. I'm the General Insurance Agent. Thank you.
(Sorry can not type Chinese at office)

[sixsea]

多谢二位回答！