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Wednesday, August 3, 2011

50 COMMON INTERVIEW Q&A

(from: http://bhuvans.wordpress.com/2006/08/19/50-common-interview-qa/)
Review these typical interview questions and think about how you would
answer them. Read the questions listed; you will also find some
strategy suggestions with it.
(Excerpted from the book The Accelerated Job Search by Wayne D. Ford, Ph.D, published by The Management Advantage, Inc.)
1. Tell me about yourself:
The most often asked question in interviews. You need to have a short
statement prepared in your mind. Be careful that it does not sound
rehearsed. Limit it to work-related items unless instructed otherwise.
Talk about things you have done and jobs you have held that relate to
the position you are interviewing for. Start with the item farthest
back and work up to the present.

2. Why did you leave your last job?
Stay positive regardless of the circumstances. Never refer to a major
problem with management and never speak ill of supervisors, co-workers
or the organization. If you do, you will be the one looking bad. Keep
smiling and talk about leaving for a positive reason such as an
opportunity, a chance to do something special or other forward-looking
reasons.
3. What experience do you have in this field?
Speak about specifics that relate to the position you are applying for.
If you do not have specific experience, get as close as you can.
4. Do you consider yourself successful?
You should always answer yes and briefly explain why. A good
explanation is that you have set goals, and you have met some and are
on track to achieve the others.
5. What do co-workers say about you?
Be prepared with a quote or two from co-workers. Either a specific
statement or a paraphrase will work. Jill Clark, a co-worker at Smith
Company, always said I was the hardest workers she had ever known. It
is as powerful as Jill having said it at the interview herself.
6. What do you know about this organization?
This question is one reason to do some research on the organization
before the interview. Find out where they have been and where they are
going. What are the current issues and who are the major players?
7. What have you done to improve your knowledge in the last year?
Try to include improvement activities that relate to the job. A wide
variety of activities can be mentioned as positive self-improvement.
Have some good ones handy to mention.
8. Are you applying for other jobs?
Be honest but do not spend a lot of time in this area. Keep the focus
on this job and what you can do for this organization. Anything else is
a distraction.
9. Why do you want to work for this organization?
This may take some thought and certainly, should be based on the
research you have done on the organization. Sincerity is extremely
important here and will easily be sensed. Relate it to your long-term
career goals.
10. Do you know anyone who works for us?
Be aware of the policy on relatives working for the organization. This
can affect your answer even though they asked about friends not
relatives. Be careful to mention a friend only if they are well thought
of.
11. What kind of salary do you need?
A loaded question. A nasty little game that you will probably lose if
you answer first. So, do not answer it. Instead, say something like,
That’s a tough question. Can you tell me the range for this position?
In most cases, the interviewer, taken off guard, will tell you. If not,
say that it can depend on the details of the job. Then give a wide
range.
12. Are you a team player?
You are, of course, a team player. Be sure to have examples ready.
Specifics that show you often perform for the good of the team rather
than for yourself are good evidence of your team attitude. Do not brag,
just say it in a matter-of-fact tone. This is a key point.
13. How long would you expect to work for us if hired?
Specifics here are not good. Something like this should work: I’d like
it to be a long time. Or As long as we both feel I’m doing a good job.
14. Have you ever had to fire anyone? How did you feel about that?
This is serious. Do not make light of it or in any way seem like you
like to fire people. At the same time, you will do it when it is the
right thing to do. When it comes to the organization versus the
individual who has created a harmful situation, you will protect the
organization. Remember firing is not the same as layoff or reduction in
force.
15. What is your philosophy towards work?
The interviewer is not looking for a long or flowery dissertation here.
Do you have strong feelings that the job gets done? Yes. That’s the
type of answer that works best here. Short and positive, showing a
benefit to the organization.
16. If you had enough money to retire right now, would you?
Answer yes if you would. But since you need to work, this is the type
of work you prefer. Do not say yes if you do not mean it.
17. Have you ever been asked to leave a position?
If you have not, say no. If you have, be honest, brief and avoid saying
negative things about the people or organization involved.
18. Explain how you would be an asset to this organization
You should be anxious for this question. It gives you a chance to
highlight your best points as they relate to the position being
discussed. Give a little advance thought to this relationship.
19. Why should we hire you?
Point out how your assets meet what the organization needs. Do not
mention any other candidates to make a comparison.
20. Tell me about a suggestion you have made
Have a good one ready. Be sure and use a suggestion that was accepted
and was then considered successful. One related to the type of work
applied for is a real plus.
21. What irritates you about co-workers?
This is a trap question. Think real hard but fail to come up with
anything that irritates you. A short statement that you seem to get
along with folks is great.
22. What is your greatest strength?
Numerous answers are good, just stay positive. A few good examples:
Your ability to prioritize, Your problem-solving skills, Your ability
to work under pressure, Your ability to focus on projects, Your
professional expertise, Your leadership skills, Your positive attitude
23. Tell me about your dream job.
Stay away from a specific job. You cannot win. If you say the job you
are contending for is it, you strain credibility. If you say another
job is it, you plant the suspicion that you will be dissatisfied with
this position if hired. The best is to stay genetic and say something
like: A job where I love the work, like the people, can contribute and
can’t wait to get to work.
24. Why do you think you would do well at this job?
Give several reasons and include skills, experience and interest.
25. What are you looking for in a job?
See answer # 23
26. What kind of person would you refuse to work with?
Do not be trivial. It would take disloyalty to the organization,
violence or lawbreaking to get you to object. Minor objections will
label you as a whiner.
27. What is more important to you: the money or the work?
Money is always important, but the work is the most important. There is
no better answer.
28. What would your previous supervisor say your strongest point is?
There are numerous good possibilities:
Loyalty, Energy, Positive attitude, Leadership, Team player, Expertise,
Initiative, Patience, Hard work, Creativity, Problem solver
29. Tell me about a problem you had with a supervisor
Biggest trap of all. This is a test to see if you will speak ill of
your boss. If you fall for it and tell about a problem with a former
boss, you may well below the interview right there. Stay positive and
develop a poor memory about any trouble with a supervisor.
30. What has disappointed you about a job?
Don’t get trivial or negative. Safe areas are few but can include:
Not enough of a challenge. You were laid off in a reduction Company did
not win a contract, which would have given you more responsibility.
31. Tell me about your ability to work under pressure.
You may say that you thrive under certain types of pressure. Give an
example that relates to the type of position applied for.
32. Do your skills match this job or another job more closely?
Probably this one. Do not give fuel to the suspicion that you may want
another job more than this one.
33. What motivates you to do your best on the job?
This is a personal trait that only you can say, but good examples are:
Challenge, Achievement, Recognition
34. Are you willing to work overtime? Nights? Weekends?
This is up to you. Be totally honest.
35. How would you know you were successful on this job?
Several ways are good measures:
You set high standards for yourself and meet them. Your outcomes are a
success.Your boss tell you that you are successful
36. Would you be willing to relocate if required?
You should be clear on this with your family prior to the interview if
you think there is a chance it may come up. Do not say yes just to get
the job if the real answer is no. This can create a lot of problems
later on in your career. Be honest at this point and save yourself
future grief.
37. Are you willing to put the interests of the organization ahead ofyour own?
This is a straight loyalty and dedication question. Do not worry about
the deep ethical and philosophical implications. Just say yes.
38. Describe your management style.
Try to avoid labels. Some of the more common labels, like progressive,
salesman or consensus, can have several meanings or descriptions
depending on which management expert you listen to. The situational
style is safe, because it says you will manage according to the
situation, instead of one size fits all.
39. What have you learned from mistakes on the job?
Here you have to come up with something or you strain credibility. Make
it small, well intentioned mistake with a positive lesson learned. An
example would be working too far ahead of colleagues on a project and
thus throwing coordination off.
40. Do you have any blind spots?
Trick question. If you know about blind spots, they are no longer blind
spots. Do not reveal any personal areas of concern here. Let them do
their own discovery on your bad points. Do not hand it to them.
41. If you were hiring a person for this job, what would you look for?
Be careful to mention traits that are needed and that you have.
42. Do you think you are overqualified for this position?
Regardless of your qualifications, state that you are very well
qualified for the position.
43. How do you propose to compensate for your lack of experience?
First, if you have experience that the interviewer does not know about,
bring that up: Then, point out (if true) that you are a hard working
quick learner.
44. What qualities do you look for in a boss?
Be generic and positive. Safe qualities are knowledgeable, a sense of
humor, fair, loyal to subordinates and holder of high standards. All
bosses think they have these traits.
45. Tell me about a time when you helped resolve a dispute betweenothers.
Pick a specific incident. Concentrate on your problem solving technique
and not the dispute you settled.
46. What position do you prefer on a team working on a project?
Be honest. If you are comfortable in different roles, point that out.
47. Describe your work ethic.
Emphasize benefits to the organization. Things like, determination to
get the job done and work hard but enjoy your work are good.
48. What has been your biggest professional disappointment?
Be sure that you refer to something that was beyond your control. Show
acceptance and no negative feelings.
49. Tell me about the most fun you have had on the job.
Talk about having fun by accomplishing something for the organization.
50. Do you have any questions for me?
Always have some questions prepared. Questions prepared where you will be an asset to the organization are good. How soon will I be able to be productive? and What type of projects will I be able to assist on? are
examples.

在加拿大遭遇不良服务 如何投诉?(1)

如果你对所购买的产品或服务不满意,你应该投诉。其实,作为一个消费者,你有责任对不良服务和产品进行投诉。有效的投诉不但解决了你自己的问题,还让其他消费者受益,督促商家改善。

如果你购买的产品或服务不能实现它应有的功能,而你是采取了适当的使用和维护,也符合保修条件,你的投诉就是合理的。第一步应该是致电提供该产品或服务的公司,尽可能找当时负责和你完成买卖的销售人员谈判。保留一切单据,保修书,详细记录购买的时间地点,和出现的问题。尽量争取达到一个双方都同意的结果。如果不行,要求和有决定权的管理人员谈。如果还是不能令你满意,写信给这间公司,提出书面投诉。

你的投诉信应有以下内容:

  • 详细说明所出现的问题;
  • 提出自己的要求(如退货,换货,维修等),而且要求公司在某日前给答复(一般给他们两至三周的处理时间);
  • 写清楚如果对方不采取行动你下一步会怎么样。


假如这样还不能解决你的问题,你还可以通过向以下机构投诉:

1.  投诉商家,可尝试这个机构:
    The Better Business Bureau。
    www.bbb.org
2. 对通过邮件,电话或互联网购买的产品或服务的投诉,可联系这个机构:
  • The Canadian Marketing Association  
  • www.the-cma.org
3. 遇到有关电子,燃油机器,煤气,冷暖气,管道,通信,滤水,布线设备等问题的投诉,可到这个机构:
  • The Canadian Standards Association
  • http://www.csa.ca/
4.  加拿大联邦政府工业部处理消费者投诉的部门为:
  • The Competition Bureau (Industry Canada) http://www.ic.gc.ca/epic/site/ic1.nsf/en/h_00079e.html
另外,许多行业有他们自己的协会和行会监管。
5. 对误导或不诚实的广告的投诉,可到这个机构:
  • Advertising Standards Canada
  • http://www.adstandards.com/
6. 假如你对电话或有线电视服务不满,可向加拿大广播电视管理局投诉:
  • Canadian Radio-television and Telecommunications Commission.
  • www.crtc.gc.ca
7.  投诉银行服务应先找每个银行本身所设的仲裁员,如不满意可以向加拿大银行仲裁员投诉:
  • Canadian Banking Ombudsman
  • http://www.bankingombudsman.com/
8.  投诉保险服务可找保险仲裁员 Insurance Ombudsman.
  • http://www.insurance-canada.ca/consinfoauto/l12.php
9.  对汽车制造商关于汽车缺陷或新车保修问题的投诉可找这个部门:
  • Canadian Motor Vehicle Arbitration Plan http://camvap.ca/
10.  至于和其他个人之间的金钱纠纷,如果金额超过六千元,可告上小额钱债法庭SmallClaims Court。程序简单,不需请律师,在电话本上找你这个区小额钱债法庭的地址,打电话去问,他们会告诉你具体手续。


    在加拿大遭遇不良服务 如何投诉?(2)

    转一篇BBB投诉经验的帖子:

    BBB.com接受投诉的业务是很多方面的。如果你遭受了不公待遇,可以考虑到BBB的网上填一份投诉信,BBB会随时告诉你处理事情的进展情况,最后给你一个正式的交待。

    下面是我投诉America West Airline (US Airways)的整个过程。虽然US Airways 提前给我了结果,但因为我没有及时通知BBB,BBB还是跟US Airways 打了交道,获得了US Airways 给我的处理结果,并把结果复印了一份,用信件给我寄来,整个过程将近1个月时间。

    1、事因:

    今年九月初去加州开会,路上在某城市转机,一路上来回被America West Airline (与US Airways合营)折腾。在十月初,我在 US Airways 网页上提供的"E-Mail Customer Relations"( http://www.usairways.com/awa/content...tionsform.aspx)写了一封详细的投诉信。可惜,那个comments限制“Maximum - 2000 characters”,填完之后是提交上了,但我的内容是按两次发的。虽然我提供了email地址,过后却没有及时给我反馈,告诉我是否收到了我的投诉或者comments,这搞得我很不爽。于是,我google 了他们的email:US_Customer_Relations@usairways.com,发了两次都没发出去,被弹回来,地址无效。这下让我更觉得他们不会搭理我了。恰巧之前不久在买买提某个版上看到,可以到http://www.bbb.com上去投诉。等了2天之后,依然没获得US Airways反馈,我就到BBB上投诉。投诉信内容如下,当时写得比较仓促,看了别笑。

    =============================

    2、投诉 America Airline的信:

    Subject: Complaint: Extremely unhappy trips: xxxx <-yyyy-> zzzz

    Dear Sir/Madam,

    On September 00, 2006, I took America West Airline from xxxx to yyyy (Flight # 000). On the way from zzzz transit to yyyy, the flight was delayed on the airport at least one hour without any excuse (#000). I was trapped on the plane and had to endure the starvation because I did not like the junk food ($5) provided on board until I arrived in zzzz for the unexpected and abnormal delay.

    When I returned from yyyy on September 00, the flight (#000) was cancelled, I was rescheduled and had to take a Frontier flight to wwww, and then walked from terminal 1 to 3 to transit to an America West flight from wwww to zzzz. An about 2 hours flight finally took me 5 hours to arrive zzzz airport. Still the same, I was starved and extremely tired.

    However, the nightmare did not end yet. When I was at yyyyy airport, the lady who made the changes, seemingly and superficially friendly said she would print all the tickets for me, the tickets from yyyy to zzzz, and zzzz to xxxx. Of course, I would be glad for this service. Unfortunately, when I was trying return to xxxx from zzzz, at the safety checkpoint, I was denied to pass. Guess what happened? The ticket (printed for me) was not boarding pass. What? I was totally confused. You know what? What the lady at checkpoint said "it is a coupon". I couldn't believe that because on that ticket, there is "boarding pass" on the right side. How could I know whether it was a "board pass" or a "coupon" with both information on the same ticket? I arrived at zzzz airport at 8:00 am September 00, and got to the checkpoint at 8:40 for the long waiting line. Due to the misleading information, I could not catch the flight (#000).

    Although I was rescheduled to the next available flight which was 2 hours later, I had to waste my time at the airport for the misleading air ticket, and once again had to be starved.

    I couldn't believe these could happen to me on all the way to and from the same trip: delayed, flight cancelled, and wrong ticket information. Therefore, I am here to request that America West Airline compensate me for the delayed flight, cancelled flight and the waste of my time. And that a nonstop flight from zzzz to yyyy turned into 1-stop trip did not deserve that much of fare. I am sure I have the right to ask for the compensation and the reimbursement. I am looking forward to receiving your response as soon as possible.

    Sincerely,

    aaaa

    ------------------------------
    3、US Airways 的回复信

    应该说他们还是很快处理了我的complaint.

    Dear xxxx

    Thank you for contacting Customer Relations at US Airways. We appreciate hearing from our customers and having an opportunity to address their concerns.

    Please accept my apology for the disappointing service you received. Our Customers deserve a pleasurable experience each and every time they fly with us, and I am sorry this trip did not meet your expectations. your comments are important and have been forwarded to the appropriate managers for a review. The intent here, of course, is to use your feedback as a training tool for our employees and a means of making positive changes in our service.

    We would appreciate another chance to earn your business. I have enclosed one $200 Transportation Voucher as an invitation for you to travel with us again. The compensation issued is valid toward travel on US Airways and America West. Please be advised, travel documents are not valid with Internet bookings. All travel must be completed by the expiration date. In addition, please ake a moment to read the terms and conditions of use to receive the full benefit of this compensation. When you are ready to make your future travel arrangements, please call our Reservations Department at 1-800-xxx-xxxx.

    We appreciate and value your business. We're working hard to earn your continued patronage. Thank you for giving us the chance to do so.

    Sincerely,

    xxxxx
    customer Relations
    Corporate Offices

    Enclosures

    ===============================
    4、BBB处理投诉的经过

    我在BBB.com网上直接填的投诉信,过了大概一星期之后,BBB给我发了一个email,告诉我complain错地方了,并把我的信转给该complain的地方去。

    Complaint ID#: 11111111
    Business Name: Us Airways

    The company's customer service is handled outside our service area.

    For your convenience, we have forwarded your complaint. If you have any further questions, please contact the following BBB:

    The Better Business Bureau
    xxxx N. xxth Street
    Xxxx, XX xxxxx-xxxx


    Sincerely,

    xxxxxx
    Analyst
    BBB Complaint Department
    xxxx@xxxx.BBB.org

    ===========================

    大概10天之后,US Airways给BBB写了封信(BBB把复印件给我寄了一份):

    Dear XXXXX:

    Thank you for your inquiry regarding one of our customers.

    This matter was addressed. Attached is a copy of our response to YYYYY. No additional correspondence was received from the customer; therefore, we consider this file closed.

    If I can be of further assistance, please feel free to contact me.

    Sincerely,

    xxxxx
    Customer Relations
    Corportate Offices

    ============================

    又过了大概10天,BBB给我寄来了信,连同US Airways给我和给BBB的信复印件。

    这是BBB给我的信:

    RE: 0000000 - U.S. AIRWAYS

    Dear XXXXX:

    The Better Business Bureau of Central/Northern XXXXX (BBB) has communicated your complaint to the subject company.

    Please review the company's response and specify in writing if there are issues still needing to be addressed. If your complaint relates to contracts ,repairs, or billing, please provide any documentation (copy of contract, invoices, etc.) to support your position. Any furthur information you provide will be reviewed by the BBB and sent to the company for possible further reply.

    To save time and postage, you may view the company's response and respond to it online at:www.data.bbb.org/xxxx.html; enter your complaint ID# xxxxxxxxx, and zip code xxxxx to log in.

    If we do not receive a response from you within 10 business days, we will close the complaint accordingly. If you need more time to respond, please contact us for an extension.

    Thank you for using the BBB to assist you in resolving your dispute.

    Sincerely,

    xxxxxx
    Dispute Resolution Consultant
    xxxx@xxxx.bbb.org
    000-000-0000

    ===============================

    在BBB(www.data.bbb.org/xxxx.html: )网上可以跟踪到的处理过程

    Steps

    Date Completed---- Step Description ---------------- Date Due
    10/10/2006 -------- Cu Correspondence Received

    10/13/2006--------- Acknowledgment to Cu-- ---------10/13/2006

    10/13/2006------ Copy of Cu Correspondence to Co--- 10/23/2006

    10/23/2006------- Follow-up to Co------------------ 10/30/2006

    10/23/2006-------- Co Reply Received----------------10/23/2006

    10/30/2006-------- Copy of Reply to Cu------------- 11/04/2006

    Documents

    10/13/06 Complaint Form-10-10-2006
    10/30/06 Reply-10-23-2006

    在同一页面下,还有一项是如果不满意处理结果,可以填下面的内容,要求进一步处理:

    Reopen
    ( )I would like to reopen my case for further processing because:


    --
    Please note that the Better Business Bureau provides 10 business days for a company to respond to each request. The BBB has no legal authority to compel any company to respond or to offer any specific adjustment.

    我希望贴这个详细的过程能够有助于你在商业过程中招受不合理,不公证的对待时,去BBB投诉时,怎么做得更有效些。

    ======================

    最后,无论处理结果怎么,请务必都要给BBB写一封感谢信。我对US Airways的处理结果比较满意,我也要给自己10天时间,再给BBB和US Airways回一封typed信件。
    __________________

    安省汽车保险

    按:  一直在注意看汽车相关的东西,为有辆车作功课,特别是最近有朋友出了车祸,贴个原版保险介绍。另外,如果在CAA注册了的话,据说200元的拖车费可以找CAA报销,另外,拖到的地方可能收你50刀停车费,所以,有的直接就拖到报废厂去了。据说,汽车保险可以办暂停。都是据说,还没实践过。

    下面摘自安省保险事务委员会(ONTARIO INSURANCE COMMISSION)官方网站,中文是我的翻译 : http://www.fsco.gov.on.ca/english/insurance/auto/undautoins.asp#basicInsPolicy

    What's in a Basic Automobile Insurance Policy?

    基本保险
    If you own a vehicle in Ontario, you are required to, at the very least, purchase the following automobile insurance coverage:
    如果您在安大略有一辆机动车,下面的保险您是一定要买的:
    Third-Party Liability Coverage(第三方保险):
    This section of your automobile insurance policy protects you if someone else is killed or injured, or their property is damaged. It will pay for claims as a result of lawsuits against you up to the limit of your coverage, and will pay the costs of settling the claims. By law you must carry a minimum of $200,000 in Third-Party Liability coverage.
    这个保险在有其他人被撞死或者受伤或者他们的财产受损失保护你。它会支付依法裁决的您应支付的部分,最高达到您保费的限额,并且支付安置费。法律规定,您必须购买至少20万的第三者保险。
    Statutory Accident Benefits Coverage(事故津贴):
    This section of your automobile insurance policy provides you with benefits if you are injured in an automobile accident, regardless of who caused the accident including supplementary medical, rehabilitation, attendant care, caregiver, non-earner and income replacement benefits.
    这个保险在您在车祸中受伤时提供津贴,包括医疗补助、复原、照顾、照顾者、无收入、收入替代津贴,无论责任方是谁。
    Direct Compensation - Property Damage (DC-PD) Coverage(直接损失险):
    This section of your automobile insurance policy covers damage to your vehicle or its contents, and for loss of use of your vehicle or its contents, to the extent that another person was at fault for the accident. It is called direct compensation because even though someone else causes the damage, you collect directly from your own insurer, instead of the person who caused the damage.
    在车祸中其他人有责任时,这个保险赔付您的机动车的或者车内的财物的损失、以及由这些损失造成的损失。之所以叫直接损失险,因为您直接从您的保险公司得到赔偿,而不是找造成损失的人要钱。
    Note: Coverage under the DC-PD section of your automobile insurance policy only applies if the following conditions are met:
    If these conditions are not met, then you can make a claim on your optional Collision coverage (if you have it), whether or not you are at fault. If you don't have Collision coverage, you may be able to pursue recovery from the at-fault driver to the extent you were not-at-fault for the accident.
    Uninsured Automobile Coverage(无保险车辆险):
    Protects you and your family if you are injured or killed by a hit-and-run driver or by an uninsured motorist. It also covers damage to your vehicle caused by an identified uninsured driver.
    在您或者您的家人被无保险车辆撞死或撞伤时保护您,也包括您的汽车的损失。


    下面是其他一些保险,据说新车要买全保,不知道除了上面基本四险还有那些。

    Increasing Your Liability and Accident Benefits Coverage

    提高您的可靠性和事故津贴保险覆盖面
    In addition to the mandatory minimum coverages that are required by law, you may purchase higher liability limits under your Third-party Liability coverage, as well as increased Accident Benefits coverages.
    Your insurance representative will be able to help you decide what level of coverage is best for you.
    Increased Third-Party Liability Coverage:
    While you are legally required to carry a minimum of $200,000, you may want to increase this coverage. The cost to increase your Third-Party Liability coverage to $1 million or $2 million is small in most cases.
    Optional Accident Benefits Coverages:
    You may also want to consider increasing your Statutory Accident Benefits coverage by buying any or all of the optional benefits listed below.
    Income Replacement Benefits: If you cannot work as the result of an automobile accident, you may be eligible for basic weekly income replacement benefits of up to $400. If this is not enough to cover your current after tax income level, you may want to consider buying optional income replacement benefits to increase your maximum weekly protection to $600, $800 or $1,000.
    Medical, Rehabilitation and Attendant Care Benefits: The standard maximum amount for medical and rehabilitation expenses, such as physiotherapy, chiropractic treatment, dental expenses, etc., is $100,000. If you are catastrophically injured, the standard maximum is $1,000,000. The standard maximum for attendant care is $72,000. If you are catastrophically injured, the standard maximum is $1,000,000. You can buy optional benefits which will cover up to $1,172,000 in additional medical, rehabilitation and attendant care expenses, and up to $3,000,000 for catastrophic injuries.
    Caregiver Benefits: If you are providing care full-time to dependants and can no longer provide that care as the result of an automobile accident, you may be eligible for caregiver benefits if you need to hire someone to care for your dependants. The standard maximum amount for caregiver benefits is $250 per week for one dependant, plus $50 per week for each additional dependant. If you buy optional caregiver benefits, the coverage increases to $325 per week for one dependant, plus $75 per week for each additional dependant.
    Dependant Care Benefits: You can only claim optional dependant care benefits if you were employed at the time of the accident, are not receiving a caregiver benefit, and have to pay for additional childcare expenses as a result of the accident. Optional dependant care benefits cover up to $75 per week for the first dependant and $25 for each additional dependant.
    Death and Funeral Benefits: In the event that you die as a result of an automobile accident, the standard amount which will be paid is $25,000 to your eligible spouse or same-sex partner, $10,000 for each dependant, and a maximum of $6,000 for funeral expenses. If you buy optional benefits, you can increase these amounts to $50,000 to your eligible spouse or same-sex partner, $20,000 for each dependant, and $8,000 for funeral expenses.


    Before you purchase any of these coverages, check to see if you have these benefits available to you at work or elsewhere. If they are, you may not need to buy optional benefits.

    Extra Coverage for Loss or Damage to Your Vehicle

    In addition to the basic policy coverages you may also buy extra coverage for loss or damage to your vehicle including:
    Specified Perils Coverage:
    This coverage pays for losses caused by one of the following perils: fire; theft or attempted theft; lightning, windstorm, hail, or rising water; earthquake; explosion; riot or civil disturbance; falling or forced landing of an aircraft or parts of an aircraft; or the stranding, sinking, burning, derailment or collision of any kind of transport in, or upon which an insured vehicle is being carried on land or water.
    Comprehensive Coverage:
    This coverage pays for losses, other than those covered by Collision or Upset, including perils listed under Specified Perils, falling or flying objects, missiles and vandalism.
    Collision or Upset Coverage:
    This coverage pays for losses caused when an insured vehicle is involved in a collision with another object, including another vehicle, or rolls over. "Object" includes: another vehicle or a trailer that is attached to the vehicle that is covered by your insurance policy; the surface of the ground, and any object in or on the ground.
    All Perils Coverage:
    This combines Collision or Upset and Comprehensive coverages. In addition, it covers loss or damage caused if a person who lives in your home steals the vehicle that is covered by your insurance policy. All Perils also covers you if an employee who drives or uses, services or repairs that vehicle, steals it. For example, if you take your vehicle to a garage for repairs and an employee involved in the repair of your vehicle steals it, All Perils would cover you.


    Note: A deductible may apply to all of the above coverages.

    Other Optional Enhancements to Your Coverage

    Additional optional enhancements, also known as policy endorsements or Ontario Policy Change Forms (OPCF), are special agreements that allow you to change, add or reduce the amount of coverage for certain situations.
    The four most common policy endorsements are:
    Rented or Leased Vehicles (OPCF 5):
    This endorsement extends coverage to a vehicle that you drive, but that is owned by a leasing company.
    Loss of Vehicle Use (OPCF 20):
    This coverage covers the cost of a rental vehicle while your vehicle is being replaced or repaired, if the damage or loss is caused by a peril for which you are insured.
    Liability for Damage to Non-Owned Automobile(s)
    (OPCF 27):
    This endorsement provides physical damage coverage to vehicles that you may operate but do not personally own – such as a vehicle that you have rented or borrowed – subject to a deductible.
    Removing Depreciation Deduction (OPCF 43):
    This coverage removes the insurer's right to deduct depreciation from the value of your vehicle when settling a claim for loss or damage caused by a peril for which you are insured.
    Family Protection Coverage (OPCF 44R):
    This coverage protects you, or an eligible member of your family, to the same limits as your Third-Party Liability coverage if you are involved in an automobile accident where you are not at fault, with someone who carries less insurance, no insurance, or is an unidentified driver (e.g., hit and run).


    Please keep in mind that these are only some of the many policy endorsements available for purchase. Ask your broker, agent or insurance company which policy endorsements would benefit you.
    下面是两个官方网址:
    <汽車保險消費者權利法案>
    http://www.fsco.gov.on.ca/english/pubs/consumerbrochures/Bill_of_Rights_Chinese.pdf
    这是关于保险的:
    http://www.fsco.gov.on.ca/english/insurance/