e****n
发帖数: 165 | |
i****a
发帖数: 36252 | 2 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.
【在 e****n 的大作中提到】
: 如题，
: 多谢了，请有经验的告诉一下！
|
e****n
发帖数: 165 | 3 您好，非常感谢你的回复
现在的情况是我的rear driver side door被撞凹下去了
对方保险公司的人检查完车后说要换门，但是我车比较旧（2000 camry, 100,000 mile
）,要修
的话会从salvage 的车上找个门换，不可能给我换新门，如果不修的话他们可能会给大
约600-700
的样子，否则如果要他们换新门的话他们可能会claim total loss,因为不值得修。
我想你的建议是对的，我可能会去几个dealer估个价再包给对方保险公司，请问您有什
么好建议
么？
you
fault,
【在 i****a 的大作中提到】
: 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,
|
i****a
发帖数: 36252 | 4 you have to decide for yourself. take cash vs fix the car.
if it doesn't affect safety I would suggest take cash. but $700 is too
little. get estimates and ask for more.
mile
【在 e****n 的大作中提到】
: 您好，非常感谢你的回复
: 现在的情况是我的rear driver side door被撞凹下去了
: 对方保险公司的人检查完车后说要换门，但是我车比较旧（2000 camry, 100,000 mile
: ）,要修
: 的话会从salvage 的车上找个门换，不可能给我换新门，如果不修的话他们可能会给大
: 约600-700
: 的样子，否则如果要他们换新门的话他们可能会claim total loss,因为不值得修。
: 我想你的建议是对的，我可能会去几个dealer估个价再包给对方保险公司，请问您有什
: 么好建议
: 么？
|
s*******9
发帖数: 4458 | 5 total了再买新车不更好么？
【在 i****a 的大作中提到】
: you have to decide for yourself. take cash vs fix the car.
: if it doesn't affect safety I would suggest take cash. but $700 is too
: little. get estimates and ask for more.
:
: mile
|
e****n
发帖数: 165 | 6 Thanks. I will get quote first.
【在 i****a 的大作中提到】
: you have to decide for yourself. take cash vs fix the car.
: if it doesn't affect safety I would suggest take cash. but $700 is too
: little. get estimates and ask for more.
:
: mile
|
e****n
发帖数: 165 | 7 刚才对方保险公司打电话过来说，不管你从哪个body shop去估价，也不会比他们报歌
我的赔偿多，他们刚才报过来是1140.您又建议么？
难道保险公司这么霸道么？还是他忽悠我。 |
i****a
发帖数: 36252 | 8 post a picture ba
【在 e****n 的大作中提到】
: 刚才对方保险公司打电话过来说，不管你从哪个body shop去估价，也不会比他们报歌
: 我的赔偿多，他们刚才报过来是1140.您又建议么？
: 难道保险公司这么霸道么？还是他忽悠我。
|
D******e
发帖数: 1222 | 9 Only talk to the other party's insurance company. Don't tell your own
insurance company to get things complicated unless necessary.
【在 e****n 的大作中提到】
: 如题，
: 多谢了，请有经验的告诉一下！
|
