G*****m
发帖数: 5395 | 1 对方留了电话，打电话过去问了name/driver's licence/car plate/insurance info
我是全保，下一步联系我的保险公司？
这样能修么？还是要换掉？大概要多少钱，多久？
谢谢 | a******e
发帖数: 5411 | | 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.
【在 G*****m 的大作中提到】
: 对方留了电话，打电话过去问了name/driver's licence/car plate/insurance info
: 我是全保，下一步联系我的保险公司？
: 这样能修么？还是要换掉？大概要多少钱，多久？
: 谢谢
| h**2
发帖数: 2841 | 4 1。打电话给警察(911会帮你转local)，试着留个case number，如果警察都说没必要，就算了
2。打电话给自己的保险公司，讲清楚情况，剩下的问题，让他们去跟对方保险公司交
涉，我们买全保就是为了这个时候用他们
3。去自己保险公司指定的评估点估价
1）可能拿到支票，那你自己看着办去哪里修
2）可能被要求去特约维修点修理，如果没得商量那只有照办
4。如果收到对方保险公司询问情况的信件，可以回复，也可以忽略
【在 G*****m 的大作中提到】
: 对方留了电话，打电话过去问了name/driver's licence/car plate/insurance info
: 我是全保，下一步联系我的保险公司？
: 这样能修么？还是要换掉？大概要多少钱，多久？
: 谢谢
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