t*****r
发帖数: 536 | 1 车尾被撞，bumper已经有一半拖在地上，排气管也裂开了
因为是对方全责，他们的保险公司让我开到body shop去修理(他们也有prefer的给我选
择)。像这种情况，我可以找他们定损之后拿支票自己修吗？另外排气管裂开body shop
管修吗？假如拿支票再修的话那这段时间的租车他们还给的吗？
另外，当时去ER的账单应该也是fax给他们就OK的吧？
新手问题比较多，谢谢了~ | e*********r
发帖数: 546 | 2 我的理解：对方保险公司总是补偿你的损失的，你有权选择在哪里修、如何修、是否修；
不过据说有的保险公司如果觉得你打算拿支票，可能会要求赔偿金额打折？
shop
【在 t*****r 的大作中提到】
: 车尾被撞，bumper已经有一半拖在地上，排气管也裂开了
: 因为是对方全责，他们的保险公司让我开到body shop去修理(他们也有prefer的给我选
: 择)。像这种情况，我可以找他们定损之后拿支票自己修吗？另外排气管裂开body shop
: 管修吗？假如拿支票再修的话那这段时间的租车他们还给的吗？
: 另外，当时去ER的账单应该也是fax给他们就OK的吧？
: 新手问题比较多，谢谢了~
| i****a
发帖数: 36252 | 3 On filing insurance claim, you can either:
I. file a claim with the other driver's insurance company directly. you
don't pay anything
or
II. file a claim with Your Own insurance company if you have full
coverage, then you have to pay deductible first because you are
technically filing a claim against your own insurance. then if it's
determined it's not your fault, your ins company will get all the money
back and refund your deductible.
On fixing the car, you have 2 options:
A. get cash - if you do NOT want to fix the car or want to fix it cheap
and pocket the differece, get 3 free estimates from 3 different body
shops, fax them to the insurance company and ask for as much as possible
or
B. get the car fixed - send your car to good bodyshop, ask them to bill
the insurance directly. Usually insurance company recommended bodyshop
are good; avoid dealer because most dealers do not do body work, they
tow your car to a body shop nearby and charge you $2000 extra.
Call other party's insurance. demand car rental reimbursement, starting
from the day of the accident until the proprety damage claim is closed.
get a lawyer if you want to claim bodily injury. you can spend dozens of
hours on research, paper work and fighting with insurance company. Or
you can get a lawyer and do nothing other than going to the
doctor/therapy and usually get more money into your pocket.
shop
【在 t*****r 的大作中提到】
: 车尾被撞，bumper已经有一半拖在地上，排气管也裂开了
: 因为是对方全责，他们的保险公司让我开到body shop去修理(他们也有prefer的给我选
: 择)。像这种情况，我可以找他们定损之后拿支票自己修吗？另外排气管裂开body shop
: 管修吗？假如拿支票再修的话那这段时间的租车他们还给的吗？
: 另外，当时去ER的账单应该也是fax给他们就OK的吧？
: 新手问题比较多，谢谢了~
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