i****a
发帖数: 36252 | 4 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 r***c 的大作中提到】
: 昨天半夜高速被后面追尾，叫来警察做了report，车子后保险杠被撞坏，后备箱用钥匙
: 遥控开不开了。
: 第一次遇到这种事情，有大牛讲一下接下来的流程是什么吗？
: 1.我车子半保，需要联系对方保险公司索赔。是不是他们会派人来给车子估价？这之前
: 我需要自己先把车子做检查和估价吗
: 2.朋友建议这两天车子先别动了，那么租车的费用对方保险公司会付否？
: 3.有什么其他需要向他们索赔的？
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