h*****o
发帖数: 134 | 1 拿到事故处理报告以后，下一步是去估价，然后跟对方的保险公司交涉？谢谢 | M***s
发帖数: 8769 | 2 全保联系自己保险公司，半保联系对方保险公司
你不用自己去估价，对方会派人来的 | 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 a good bodyshop, ask them to bill
the
insurance directly. Usually insurance company recommended bodyshops 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 h*****o 的大作中提到】
: 拿到事故处理报告以后，下一步是去估价，然后跟对方的保险公司交涉？谢谢
| h*****o
发帖数: 134 | 4 多谢两位的指点。我想选择不修，那么怎么fix claim呢？有form要填，还是电话？开
车6年了，还是第一次碰到这事，谢谢。 |
|
