(Learning Permit) Dangerous Goods Border Crossing Air Brake

vekn Vpt>Tl> tb>kz> tp>∏ El>let FilYl>
veknt>Tn> peTp>∏k>apple fd>d£Î Wkerl>
(No fault accident claim)
vekn Vpt>Tl> tp>∏ ån>pˇ tb>kz>
pk>km> El>ilWyl>....tb>kZn>
veknt>Tq>apple Åq>pÎm> peTp>∏k¸k>apple
1. kep>∏ŒTYl> åf>t PRVl> E‰f>ˇ
fd>d£Î vub>kp>pÎm>?
2. åv>vz◊ wteik vir fd>d£Î
vub>kp>pÎm>?
3. Ep>PRVl> E‰f>ˇ fd>d£Î Wke‰m>
Wpeˇ, Pn>n› met kd>Îp>pxm>
aTkRk>applem> sf>t›p>pm> …z>zte?
on>reRWye vekn kep>∏ŒT sd>dt>Tn>
263Am> PRVl> (Ontario Automobile
Insurance Act Sect 263)
Vpt>Tl> tb>kz> pk>km> tp>∏ ån>pˇ åf>t
VKtt>Tl> El>ilWye (No Fault) af>t
VKtt>Tl>, veknb>k¸k>apple Åq>pd>d
peTp>∏k¸k>ken fd>d£d>Din tb>kZn>
vekn kep>∏ŒT km>pNWy WfrDyek
Ep>PRVn>˚u> vub>appleKn>qˇ. Ef>FilYl>
tb>kZn> veknb>kZq>apple Åq>pd>d
peTp>∏k>k¸k>apple tb>kZn> vekn kep>∏ŒT
km>pNYL‰f>ˇ WfrDyekWv fd>d£d>Din
wpq>Πwkez>zlem>.
Etin ‘wslVl>let kep>∏ŒT fd>d£Î’ (No
Cost Coverage) ån appleQp>Pdp>pÎvˇx>Î.
ÅwnNl> tb>kz> pk>km> Vpt>Tl> tp>∏
kep>∏ŒT tkvl> wted›
El>leˇ, tb>kZn> veknt>Tq>apple Åq>pd>d
peTp>∏k¸k>apple fd>d£Î Wke‰m>Wpeˇ, Etn>
kerxmek åf>t kd>dt>TÒm>, tb>kZn>
vekn kep>∏ŒT kd>dxm> aTkRk>kmed>deˇ.
vekn kep>∏ŒTYl> op>pf>t PR◊kz>
aDp>pidp>PR◊kz>
1. ∫n>qem> fp› wpeŒp>∏ kep>∏ŒT
(Third Part Liability Coverage)
2. …dl> keyb>k¸k>ken fd>d£d>Î PR◊
(Accident Benefits)
3. tp>∏ åˇ◊m> El>let FilYl> veknt>
Tn> peTp>∏k>apple vub>applem> fd>d£d>Î PR◊
(Direct Property Compensation - no fault
Coverage)
4. kep>∏ŒTYl>let veknt>ˇdn> Åq>pd>d
Vpt>Tl> fd>d£Î
(Uninsured & Unidentified Coverage)
WmlTk PR◊kz>
a. Collision Coverage (tb>kz> tp>Pnel>
tb>kZn> veknb>k¸k>apple Åq>pÎm>
peTp>∏k¸k>apple fd>d£Î.)
b. Comprehensive Coverage (Vpt>ˇkz>
El>leˇ veknb>k¸k>apple Åq>pÎm>
peTp>∏k¸k>apple fd>d£Î.
Anel> wted›f>ˇ tb>kZn> veknk>kep>∏ŒT
kdn>... pxm>
kdn> Prs>SinYl> ∫u>Kt> tVk>Kœ›kze?
FTp> Prs>Sink>apple †›◊ kex feÎb>kz>
Bankruptcy - wsy>ˇ wkeÎt>tÒm> Elvs AWlesinÁm>
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Line Of Credit
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Mortgage Problems & Refinancing
Any Immigration Problems with Free Advice
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Mortgage - kd>dÂDyeml> …b>kz> √d>id Bank åÎk>Knˇk>apple …z>ze˜e>kze? keymidf>ˇ Vd>∂e>kze?
…b>k¸k>apple wpRy FTiy kep>∏ŒT FŒvnt>TdM‰f>ˇ wpq>Œ t‰Wvem>.
…b>kZn> …Rimkiz åb>kZn> ∫lm> wvl>Òb>kz>.
Credit Score appleiq◊ ån>q kvil Wvx>dem>.
We help our community
Âq>QÒm> Elvs AWlesink¸k>applem> Wsivk¸k>applem>
aiuÁb>kz> ÍWrc>: 416-662-9860
pT◊kZl> md>Îm> ‘tp>Pl>let fd>d£Î
Wkerl>’ (Claim - no fault) ån E‰k>applem>.
WmWl appleQp>Pdp>pd>dˇ Wpel kep>∏ŒT
op>pf>t PRVl>, atevˇ tb>kZn> kep>∏ŒT
op>pf>ts>sen>QtUl> Ep>PR◊ pq>Q wtZvek
appleQp>Pdp>pd>Î E‰k>applem>. Anel> Eb>apple o‰
Vpt>ˇ fdk>applem> Wpeˇ Ev>Vpt>ˇkZl> sR?
Piu? ån>pˇ åp>pD †›meNk>kp>pÎKn>qˇ
ån>ptinÁm> kep>∏ŒT sd>db>kWz (Accident
Fault Determination Rules & Regulation)
†›meNk>Kn>qˇ.
TnÂm> fdk>applem> Vpt>ˇkZl> Íme› feq>pˇ
vikyen Vpt>ˇkiz veknb>kZn>
pdb>kiz ivt>ˇ virpdmek …‰vek>K
åf>wtf>t meTR Vpt>ˇkz> fdf>tel>, åp>pD
sR, Piu ån>pˇ ÂD◊ wsy>yp>pÎKn>qˇ
ån>ptin wtd>d wtZvek Vzk>appleKn>qˇ.
SlWfrb>kZl> Vpt>Tl> E‰pk>kÂm> 50%k>apple
50% tp>∏ ånWve al>lˇ 75%k>apple 25%√tm>
tp>∏ åns> sd>dt>Tn> aDp>pidYl> ÂD◊
px>˛m>Wpeˇ fd>d £Î vub>kÒm> aWt
aDp>pidYl> tp>∏ El>le VKtt>Tl>
vub>kp>pÎm>. Eb>apple fd>d£Î vub>kil
†›meNk>applem> Wpeˇ Pn>v‰m> Vdyb>kz>
k‰t>Tl> wkez>zp>pÎm>.
1. Vpt>Tl> E‰ pk>kÂm> vub>applem>
Âiqp>peÎkz>
2. ∏ln> Vserixkz> wsy>Ám> aTkeRkZn>
ÂD◊kz>
3. veknt>Tl> Ws›f>ˇ Pryexm> wsy>yeˇ
…z>z wvZyeRn> sed>Skz>
AKyvq>Qin ivt>Wt kep>∏ŒT km>pNkz>
Vpt>Tl> sRPiuYinÁm> Ep>PRVn> ˚u>
fd>d£Î vub>kilÁm> ÂD◊ wsy>Kn>qˇ.
…terxmek Sl sm>pvb>kiz Eb>apple
appleQp>Pdlem>.
…terxm> (1)
Vpt>ˇ on>Ql> tb>kz> pk>km> tp>∏ åˇ◊m>
El>il. tb>kz> veknt>Tq>appleRy peTp>∏
ån>pˇ $12,000 wdel› ån mTp>Pdp>pd>dˇ.
ETl> tb>kZn> wkeÎp>pn◊ (Deductible)
$300 ån op>pf>tt>Tl> appleQp>Pdp>pd>Î
E‰f>tˇ.
tb>kZn> vekn kep>∏ŒT km>pN tb>kZn>
Ep> PRVl> E‰f>ˇ $300 wdelRin kUt>ˇ
wkex>Î $11,700 wdel› vub>appleve›kz>.
wted›f>ˇ tb>kZn> vekn kep>∏ŒT
kd>dxÂm> …yrmed>deˇ.
…terxm> (2) - Vpt>ˇ on>Ql> tp>∏ ån>pˇ
50%k>apple 50% √tm> ån ÂD◊ wsy>yp>pd>dˇ.
veknt>Tn> peTp>∏k>appleRy T‰t>t wsl◊
$12,000 wdel›.
ETl> tb>kZl> tp>∏ El>let VKtt>Tn>pD
$6000 wdel› virWy Ep>PRVl> E‰f>ˇ
vub>appleve›kz>. aTÒm> tb>kz> wkeÎp>pn◊
(Deducible) ån Åtevˇ wteik
op>pf>tt>Tl> appleQp>Pd>D‰f>tel> aTÒm> 50%
kUt>ˇ wkex>Wd vub>appleve›kz>. MappleT
pxm> tb>kz> wsef>t pxt>TWlWy wkeÎt>ˇ
T‰t>t Wvx>Dv‰m>. al>lˇ WmlTk
fd>d£d>Î PR◊ (Collision Coverage)
E‰f>tel> aTL‰f>ˇ fd>d£Î wpqlem>.
Ep>PRVl> E‰f>ˇ fd>d£Î wpŒm> Wpeˇ
Pn>n› met kd>Îp>pxm> aTkRk>applem>.
wpeˇvek kep>∏ŒT km>pNkz> kep>∏ŒT
op>pf>tt>Tn> PR◊kZl> …z>z sd>d
VTkZn> ˚u> fd>d £Îkiz tt>tmˇ
veDk>ikyez›k¸k>apple vub>K Vd>Î, Pn>n›
sR, Piu åf>tp>pk>km> ån>q aDp>pidYl>
tb>k¸k>applez> pRmeQk> wkez>ve›kz>. ånWv
ten> Ep>PRVl> fd>d£Î wpŒtl> ån>pˇ
Vpt>ˇ on>Œ on>reRWye mekext>TBz>
aBmTp>pt>Trm> åÎt>ˇ Eyb>applem> kep>∏ŒT
km>pNkZl> op>pf>tm> ivt>T‰k>applem>
veknb>k¸k>KidWy fidwpŒm> WpeWt
Ep>PRVl> E‰f>ˇ wslVl>let Ef>fd>d£Î
wpŒtl> ån>pˇ set>Typ>pÎm>. on>reRWye
mekext>Tq>apple wvZWy kndeVn> Åiny
mekext>Tl> al>lˇ awmRk>keVl> …z>z
o‰ mekext>Tl> …z>z kep>∏ŒT km>pNYl>
op>pf>tm> wsy>yp>pd>d o‰ veknt>ˇdn>
Wmetl> Åq>pd>del> af>t mekexÂm>,
on>reRWye mekexÂm> Ev> op>pf>tt>Tl>
fd>d£Îkiz pRmeŒm> …dn>pDk>ik
iks>set>Td>del> md>Îm> set>Typ>pÎm>.
Sv. pg>sLb>km> B. Com,
(Licensed Insurance Broker)
kep>∏ŒT sm>pf>tmen AWlesink¸k>apple:
416.321.0999
(aWnkmek knde, awmRk>ke
mekexb>k¸k>KidWy …z>z kep>∏ŒT
km>pNkZn> se›Pl> mekex FT
aims>ÍkZnel> Et>tiky op>pf>tb>kz>
E‰p>pˇ vuimyeapplem>)
Ev>veŒ …dn>pDk>ik El>let km>pNyek
tp>∏k>apple …RyvRn> vekn kep>∏ŒT km>pN
E‰f>tel> peTk>kp>pd>dv› avrˇ km>pNk>apple
åTrek fd>d£Î WkeR vuk>apple tek>appletl>
wsy>ylem>. EWtWpel tmˇ km>pNYn>
fd>d£Î vub>kl>, sR PiuYn> †›p>∏ ån>pˇ
T‰p>Tyek El>ilyeYBm> tmˇ km>pNk>apple
åTrek◊m> vuk>apple tek>appletl> wsy>ylem>.
Vpt>Tin …‰vek>K tmˇ
aidyezt>Tin ked>deˇ tp>P ODVd>del>
Es> wslVl>let fd>dp>PRVl> E‰f>ˇ
åˇVtmen FverxÂm> wpqÂDyeˇ.
(ånWvten> veknm> wsÒt>ˇpv‰k>apple
åp>Wpeˇm> o‰ Wpne◊m> √TkZl>
Vpt>ˇkiz t‰pv›kZn> Elk>kt>Tin
ˇRt kTYl> ErkSymek appleQt>ˇ wkez>z
o‰ kdteSÁm> åf>t WfrÂm> tye› FilYl>
E‰t>tl> Wvx>Îm> ån aQ◊ir vub>applevˇ
vuimyeapplem>)
Ef>t FilYl> Vpt>Tin …‰vek>KWye›
aidyezm> wtRyeˇ tp>PWyeDVd>del>
peTk>kp>pd>dv› WvŒ PRVl> E‰f>Wt
fd>d£Î wpŒtl> Wvx>Îm>. WvŒ PRVl>
E‰f>ˇ fd>d£Î wpŒm> Wpeˇ
aˇ Pn>ne> met
kd>Îpxt>Tin aTkRp>pˇ
tV›k>k ÂDyettek Wpey>VÎm>.
- 10 - NOVEMBER 01, 2008 Vzm>prm> VLAMBARAM Tel: 416.282.8059