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C******n
发帖数: 284 | 1 我骑车直行，绿灯，过一丁字路口；对面等待左转的机动车突然启动，从左侧撞倒了我
。我被救护车送往医院，经检查，所幸戴了头盔，只有左脚踝骨折。
警方报告上说是机动车司机全责，机动车司机说是阳光影响了视线，没看到我。
第一次遭遇交通事故，不知道如何处理后续的理赔问题。截止目前，去ER和medical
follow-up都是用的我自己的医保 | i*********5
发帖数: 19210 | 2 Pat! Pat! 阳光晃眼不晃眼都是开车的责任。
How to Handle a Bike Accident With a Vehicle
http://beta.active.com/cycling/Articles/How-to-Handle-a-Bike-Ac
Getting Checked Out
Be overcautious about your body. A cyclist colliding with a vehicle can be
violent, but your adrenaline at the scene could mask any physical pain you'
re in. Don't be afraid to take a visit to the emergency room if something
doesn't feel right.
As for who pays the medical bills up front? Depends on the state, but in
Duggan's home state of Washington the motorist's automobile PIP (personal
injury protection) coverage is primary for the cyclist's injuries no matter
who's at fault. The cyclist's automobile PIP coverage is secondary (even
though they weren't in their automobile at the time), and the cyclist's
health insurance is third in line.
Recovering Your Losses
Your physical injuries are one thing, and your personal losses are another.
If the motorist is at fault, his auto liability insurance should cover the
damage to your bike.
If your bike has been in a crash, take it to a reputable bike shop and get
it thoroughly inspected. Duggan was involved in another accident where he
didn't realize his bike was damaged until 10 weeks later, when the fork legs
snapped off due to tiny cracks that went undetected.
Duggan recommends demanding to the insurance company that they declare the
bike and all damaged accessories a total loss. A bike shop can put this in
writing after an inspection if they determine the bike is unsafe to ride.
Keep in mind, though, that this doesn't mean you're getting a shiny new bike
. Insurance companies are only required to give you market value, and if
your bike is five years old, don't expect to get enough money to buy one
that's five years newer.
Also realize that insurance claims adjustors typically aren't as
knowledgeable about bikes as you are. So when you are in an accident and
expecting to file a claim for your damaged bike, make sure you have more
than enough information to get fair value for it. You may have to educate
your adjuster on how much your bike is really worth. Duggan recommends sites
like eBay and craigslist to get an idea of how much your bike would sell
for in the open market.
Bike accidents involving motor vehicles--even relatively minor ones--are
scary. When it's all said and done, the initial reaction might be relief
that you weren't killed or seriously injured.
Don't let that euphoria keep you from taking the proper steps to make sure
you're protected in the aftermath of an accident.
"A lot of times, you're not thinking clearly," Duggan said. "You're hit, and
it's 'Wow, I'm glad to be alive. Of course everything is good.' Then it
doesn't hit you for a couple of hours that you have a broken wrist or
something."
"It's better to preserve all that information up front."
【在 C******n 的大作中提到】
: 我骑车直行，绿灯，过一丁字路口；对面等待左转的机动车突然启动，从左侧撞倒了我
: 。我被救护车送往医院，经检查，所幸戴了头盔，只有左脚踝骨折。
: 警方报告上说是机动车司机全责，机动车司机说是阳光影响了视线，没看到我。
: 第一次遭遇交通事故，不知道如何处理后续的理赔问题。截止目前，去ER和medical
: follow-up都是用的我自己的医保
| i*********5
发帖数: 19210 | | C******n
发帖数: 284 | 4 谢谢，自行车好像比我还结实，貌似只有后轮略有变形，我准备拿去店里全面检查一番
。车车刚买了一个月多一点，培养出感情了，没想到就让它受苦了
背包里的tablet和饭盒压坏了，不过这也可能保护了我的背没受伤 | i*********5
发帖数: 19210 | 5 对方有保险没有？费哥这方面有经验，等他来详细解释。
【在 C******n 的大作中提到】
: 谢谢，自行车好像比我还结实，貌似只有后轮略有变形，我准备拿去店里全面检查一番
: 。车车刚买了一个月多一点，培养出感情了，没想到就让它受苦了
: 背包里的tablet和饭盒压坏了，不过这也可能保护了我的背没受伤
| h*****a
发帖数: 1992 | 6 找个律师。这官司肯定有的赚。
【在 C******n 的大作中提到】
: 我骑车直行，绿灯，过一丁字路口；对面等待左转的机动车突然启动，从左侧撞倒了我
: 。我被救护车送往医院，经检查，所幸戴了头盔，只有左脚踝骨折。
: 警方报告上说是机动车司机全责，机动车司机说是阳光影响了视线，没看到我。
: 第一次遭遇交通事故，不知道如何处理后续的理赔问题。截止目前，去ER和medical
: follow-up都是用的我自己的医保
| C******n
发帖数: 284 | 7 根据警方的报告，对方有保险，state farm，司机是个中国学生，我不会讹诈他，但也
不想放弃我的正当权利 | t****u
发帖数: 10218 | 8 他有保险，所以你将和他的保险公司打交道，和他基本上没有关系了。
不是最清楚如何处理的话，可以找律师。
DCRainmaker有一篇关于他被撞后如何和保险公司打交道的。有一个很关键的是所有事
情，包括误工什么的，都需要书面证据材料。
保险公司和你打交道的人是专业人才，少赔钱是保险公司的目标。
http://www.dcrainmaker.com/2011/05/what-i-learned-about-getting
【在 C******n 的大作中提到】
: 根据警方的报告，对方有保险，state farm，司机是个中国学生，我不会讹诈他，但也
: 不想放弃我的正当权利
| C******n
发帖数: 284 | |
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