a******2
发帖数: 470 | 1 今天朋友车和别人车撞了。
警察来了说双方都有错。
那请问。保险公司赔偿是我的保险公司赔偿我的车。对方保险公司赔偿她的车，还是把
需要赔偿的总费用除二，双方保险公司赔偿呢？
如果我这受损不严重。是不是可以不找保险公司去陪呢？ | B*****g
发帖数: 34098 | 2 我猜自己管自己
【在 a******2 的大作中提到】
: 今天朋友车和别人车撞了。
: 警察来了说双方都有错。
: 那请问。保险公司赔偿是我的保险公司赔偿我的车。对方保险公司赔偿她的车，还是把
: 需要赔偿的总费用除二，双方保险公司赔偿呢？
: 如果我这受损不严重。是不是可以不找保险公司去陪呢？
| h*****o
发帖数: 1476 | 3 警察没有裁决权吧，最终谁对谁错应该由保险公司决定吧。如果双方都有错，也得分谁
错的多谁错的少。一般事故双方都全赖到对方的错，最终双方保险公司不一定会达成一
致决定，如果双方能达成某个决定，case 可以算settle了。达不成一致决定，人家可
以选择走法庭这条路的，但如果是小事故，上法庭劳民伤财，双方保险公司更愿意让第
三方来裁决，如果大家各说各有理，又没有证人，警察如果不在现场，警察的报告顶多
做个参考，如果公说公有理，婆说婆有理，第三方也没法决定谁对谁错，这样可能就是
你说的双方各付５０％责任，自己的损失由自己的保险公司。
如果对方claim了事故，你的保险公司就会知道你的事故，为啥不让保险公司赔偿损失
了。要是小事故不想让保险公司知道，为了不影响以后的保险，双方可以私了。如果已
经走保险公司这条路了，只能顺了这条路走下去知道settle为止，要么双方保险公司达
成一致决定早点settle，要么交给第三方裁决，要么法庭上见。
【在 a******2 的大作中提到】
: 今天朋友车和别人车撞了。
: 警察来了说双方都有错。
: 那请问。保险公司赔偿是我的保险公司赔偿我的车。对方保险公司赔偿她的车，还是把
: 需要赔偿的总费用除二，双方保险公司赔偿呢？
: 如果我这受损不严重。是不是可以不找保险公司去陪呢？
| a******2
发帖数: 470 | | a******2
发帖数: 470 | 5 保险公司说，如果我们是全责的话，要自付500美金。
那如果双方都是50%的话。我们还是压付500吗？ | h*****o
发帖数: 1476 | 6 我觉得如果结果是没法裁决，双方保险公司都愿意接受５０％过错的话，那样事故双方
由各自的保险公司负责：
１。你买的是全保，你的保险公司负责赔偿你的车。
２。你买的是半保，你自己出钱修车。
３。对方买的是全保，对方的保险公司负责对方的车。
４。对方买的是半保，对方自己处钱修车。
当然最后裁决也不一定５０％－５０％，也有可能对方错的多，你错的少，比如７０％
－３０％。我想这样的话，对方保险公司对你付一部分责任。如果你买的是全保，不管
谁对谁错，你的保险公司要先cover你的修车钱，有的case会拖上几个月，不可能等那
么久修车。
【在 a******2 的大作中提到】
: 保险公司说，如果我们是全责的话，要自付500美金。
: 那如果双方都是50%的话。我们还是压付500吗？
| h*****o
发帖数: 1476 | 7 就算你１００％过错，也轮不到你赔对方钱，负责对方修车钱的应该是你保险公司，不
然平时买保险为了是啥。
【在 a******2 的大作中提到】
: 保险公司说，如果我们是全责的话，要自付500美金。
: 那如果双方都是50%的话。我们还是压付500吗？
| h*****o
发帖数: 1476 | 8 我觉得你可以到车版问问，那里应该有人会知道。
http://www.caraccidentattorneys.com/resources/auto-accident/car
accident-injuries/when-you-should-agree-arbitration-a-car-accide
In a car accident arbitration, both parties are usually represented by
an attorney, although a person can always represent her/himself. An
arbitrator is an attorney who has been trained to work in a role similar
to that of a judge. Both sides prepare an arbitration booklet making
their respective cases including exhibits. Both sides will then have an
opportunity to present their case to the arbitrator and the arbitrator
will ask questions of both parties. The parties involved may be
questioned by the other party’s attorney. Arbitration is usually
binding, which means both parties must follow the decision made the
arbitrator. In some states, arbitration is required for no-fault
coverage cases or for car accidents with minimal damage. Arbitration is
usually available as an option though in all car accident cases.
Advantages of Arbitration
Arbitration is a process for settling disputes similar to a court trial,
but has the following advantages:
it is less formal;
is far less expensive; and
it is a faster process than going through a district court system.
When Arbitration is a Good Choice
You should agree to arbitration in a car accident case if the amount of
damages is low. The low cost of arbitration as compared to a trial
means that you should get more money for your damages and you will have
to pay out less for attorney fees and court costs. For similar reasons,
you should choose arbitration if you need to get your money sooner than
later. Arbitration is a faster process then working through the district
court system.
Arbitration is also a good option if the person seeking damages would
not present well before a jury. Juries have biases as does the general
public. Unlike the jury pool, the arbitrator is trained to be neutral
regardless of a victim’s race, gender, or sexual orientation. So a
victim who is different than the local pool of jurors might do better to
present his case before an arbitrator. A person who is a drug addict, or
was under the influence of alcohol at the time of the accident may not
present well to a jury and would also fair better in an arbitration
setting.
Getting Legal Help
While an accident victim can represent herself in an arbitration, it is
wise to hire an attorney to get through the process. The insurance
company will hire an attorney who is well-versed in personal injury law
and who will be able to argue the best case for the insurance company to
the arbitrator or the jury.
http://www.caraccidentattorneys.com/lawyer-resources/auto-accid
injury-lawsuits.htm
Once your attorney files a car accident compensation claim, there are
different paths your case can take to resolution. Your case can end in
a settlement, mediation, arbitration, or trial.
Go to Trial or Settle?
When deciding whether to proceed with an auto accident injury settlement
or go forward with the expense and time of a trial, an insurance company
looks at the likelihood of winning at trial. The more likely they are to
win against your auto insurance medical claims , the more likely they
are to take it all the way to trial. If they think they will likely lose
at trial, they will be motivated to settle to save the company the cost
of going to trial. Your attorney will weigh the same factors.
In weighing the risks and advantages of going to trial or settling, an
attorney will prepare a car accident lawsuit defense strategy based on
what your goals are. If a case goes to trial, the attorney will have to
put a lot more of his time into preparing for court. If a case settles
quickly, the attorney gets his percentage of your award for doing very
little work. It is that kind of scenario which can create a conflict of
interest between you and your attorney. If your case is not strong
enough to risk a trial though, it is best to settle. A mediator can
help the parties see the merits and weaknesses of the case through the
eyes of someone who does not have a stake in the case.
Auto Injury Settlements
In a settlement, both parties have to move a little toward the other
party’s value of the claim. Settlement can be a quick and painless
method for getting reimbursed for your damages. There is always a
chance you could get more compensation from a trial, but it is a risk
because you could also get less if a judge or jury agrees with the
insurance company’s view of your case.
A settlement can come at the beginning of your claim, or the day before
the trial. Anytime the parties want to agree on conditions, they can.
Car Accident Court: The Trial
Do you want to go before a jury? Do you want to take the witness stand
in court? If the idea of either of these things is terrifying to you,
then you should talk to your attorney about considering arbitration or
mediation. Both are less formal, without a jury, and will get you
result faster so you can get on with your life. Car accident lawsuits
takes time and energy from all parties involved and can quickly take
over your life. People lose sleep over the details of the suit and lose
time from work for depositions, meetings with attorneys, and getting
medical exams to prove their car accident injury symptoms in court. The
insurance company for the defendant will usually require the plaintiff
to attend a medical exam with a doctor of their choosing in proving that
their medical injuries are either not as extreme as the plaintiff
claims, or was not caused by the car accident at all.
What About Mediation?
A mediator can be very helpful in moving both sides to a resolution.
Both sides have a strong opinion on what the case is worth and what the
actual damages are. A mediator can give an objective opinion to help
both sides come closer together. As dollar amounts get closer, the more
likely both sides are to settling because going to trial is a risk for
both sides. No one ever knows how a jury is going to see a case or how
much a jury is going to award when determining fault in a car crash.
The makeup of the people on the jury has a big impact on the amount
awarded and you never know what kind of people you will get. The
incentive for settling is that you get a guaranteed amount of money
without the risk. Some people refuse to settle and can end up getting
less from a jury than they would have gotten from the settlement. For
the insurance company, it’s a numbers game that they play every day.
They have many cases every day they have to settle or take to trial, and
a party making a claim needs to weight all the risks and advantages of
going to court.
Car Injury Lawyers or an Arbitrator?
An arbitrator is often a binding decision. An arbitration hearing is
less formal than a trial which has its advantages and disadvantages.
Arbitration will be less time-consuming and you will get results much
faster than going to trial. An arbitration can be set as a binding
high/low which sets a limit so both parties know the amount of the award
cannot go too low or too high.
It is important to remember that you make the decisions with regard to
your case. Your attorney cannot settle or turn down an offer to settle,
without your approval. It is always your decision. The attorney will
hopefully advise you as to how he thinks you should proceed and he
should give you his reasoning for suggesting any course of action, but
the final call is always yours. | g********0
发帖数: 15010 | 9 你没理解,这$500是修他自己车的deduction.
【在 h*****o 的大作中提到】
: 就算你１００％过错，也轮不到你赔对方钱，负责对方修车钱的应该是你保险公司，不
: 然平时买保险为了是啥。
| h*****o
发帖数: 1476 | 10 哦。
【在 g********0 的大作中提到】
: 你没理解,这$500是修他自己车的deduction.
| | | g********0
发帖数: 15010 | 11 是的,只要你的保险公司付你车的修车费(which means you have fault),你就的付the
deduction($500).
如果你没有责任,对方又100%责任,对方保险公司付你的修车费,你付$0.
【在 a******2 的大作中提到】
: 保险公司说，如果我们是全责的话，要自付500美金。
: 那如果双方都是50%的话。我们还是压付500吗？
| g********0
发帖数: 15010 | 12 小事故,没你说的那末复杂,不要看律师的网站,律师总想忽悠用户上法庭.
如果有警察报告,双方保险公司根据警察报告协商个方案,然后赔付.原则么,每方保险公
司都想少赔,最后找到一个合法的,双方都少赔的方案.
最重要的是,千万不要给对方说"sorry". 尽量把对自己有利的事实和证据提供给自己的
保险公司。
另外，如果你买的只是very basic liability. 尽量早告诉对方（not insurance)。 有时，如果对方的是好车买了非常好的全保，对方会想法让对方的保险公司给他修车。做学生时，我的一中国同学就遇到这种情况。
如果你买的非常好的全保， 尽量不要让对方知道。
【在 h*****o 的大作中提到】
: 警察没有裁决权吧，最终谁对谁错应该由保险公司决定吧。如果双方都有错，也得分谁
: 错的多谁错的少。一般事故双方都全赖到对方的错，最终双方保险公司不一定会达成一
: 致决定，如果双方能达成某个决定，case 可以算settle了。达不成一致决定，人家可
: 以选择走法庭这条路的，但如果是小事故，上法庭劳民伤财，双方保险公司更愿意让第
: 三方来裁决，如果大家各说各有理，又没有证人，警察如果不在现场，警察的报告顶多
: 做个参考，如果公说公有理，婆说婆有理，第三方也没法决定谁对谁错，这样可能就是
: 你说的双方各付５０％责任，自己的损失由自己的保险公司。
: 如果对方claim了事故，你的保险公司就会知道你的事故，为啥不让保险公司赔偿损失
: 了。要是小事故不想让保险公司知道，为了不影响以后的保险，双方可以私了。如果已
: 经走保险公司这条路了，只能顺了这条路走下去知道settle为止，要么双方保险公司达
| h*****o
发帖数: 1476 | 13 走法庭的很少见，但由第三方裁决也不少见，我只是想说各种可能性都有，有的时候上庭也是被动的，
如果对方决定告上法庭了，那也没得选择，只能通知自己保险公司。如果走法庭，各自的保险公司有各
自的律师，用不着忽悠用户上法庭。花钱的是保险公司，保险公司会避免走这条路。
【在 g********0 的大作中提到】
: 小事故,没你说的那末复杂,不要看律师的网站,律师总想忽悠用户上法庭.
: 如果有警察报告,双方保险公司根据警察报告协商个方案,然后赔付.原则么,每方保险公
: 司都想少赔,最后找到一个合法的,双方都少赔的方案.
: 最重要的是,千万不要给对方说"sorry". 尽量把对自己有利的事实和证据提供给自己的
: 保险公司。
: 另外，如果你买的只是very basic liability. 尽量早告诉对方（not insurance)。 有时，如果对方的是好车买了非常好的全保，对方会想法让对方的保险公司给他修车。做学生时，我的一中国同学就遇到这种情况。
: 如果你买的非常好的全保， 尽量不要让对方知道。
| g********0
发帖数: 15010 | 14 你说的没错，大案子，象涉及人身伤亡，就的走复杂程序。
他这种只是车擦伤，保险公司之间协商就能搞定。
上庭也是被动的，
自的保险公司有各
【在 h*****o 的大作中提到】
: 走法庭的很少见，但由第三方裁决也不少见，我只是想说各种可能性都有，有的时候上庭也是被动的，
: 如果对方决定告上法庭了，那也没得选择，只能通知自己保险公司。如果走法庭，各自的保险公司有各
: 自的律师，用不着忽悠用户上法庭。花钱的是保险公司，保险公司会避免走这条路。
| h*****o
发帖数: 1476 | 15 这个我不懂为什么这么做，如果你的同学和别人（很好的车）相撞了，为啥不能由你同
学的保险公司支付一部分然后剩下不够的由自己保险公司支付，如果想办法让自己保险
公司出钱修车，等于承认自己有错。买了很好的全保，他保险公司在case settle之前
难道不先cover他的损失？最后他保险公司能从你同学保险公司弄到多少钱又是另一回
事。
干活了，lz这贴子浪费我太多时间了。
有时，如果对方的是好车买了非常好的全保，对方会想法让对方的保险公司给他修车
。做学生时，我的一中国同学就遇到这种情况。
【在 g********0 的大作中提到】
: 小事故,没你说的那末复杂,不要看律师的网站,律师总想忽悠用户上法庭.
: 如果有警察报告,双方保险公司根据警察报告协商个方案,然后赔付.原则么,每方保险公
: 司都想少赔,最后找到一个合法的,双方都少赔的方案.
: 最重要的是,千万不要给对方说"sorry". 尽量把对自己有利的事实和证据提供给自己的
: 保险公司。
: 另外，如果你买的只是very basic liability. 尽量早告诉对方（not insurance)。 有时，如果对方的是好车买了非常好的全保，对方会想法让对方的保险公司给他修车。做学生时，我的一中国同学就遇到这种情况。
: 如果你买的非常好的全保， 尽量不要让对方知道。
| d*********e
发帖数: 876 | 16 和别人的车相撞，算collision, 走的是liability insurance, 即使是你的责任也不需
要付deductable, 而且如果保险公司付出的修车费不超过某额度的话保险公司也不会涨
你的premium, 至少State Farm是这样的。
【在 a******2 的大作中提到】
: 今天朋友车和别人车撞了。
: 警察来了说双方都有错。
: 那请问。保险公司赔偿是我的保险公司赔偿我的车。对方保险公司赔偿她的车，还是把
: 需要赔偿的总费用除二，双方保险公司赔偿呢？
: 如果我这受损不严重。是不是可以不找保险公司去陪呢？
| g********0
发帖数: 15010 | 17 She asked the repair of her car when she takes the responsibility of the
accident (if not, the other part's insurance will pay her car's repair).
This part is not covered by "liability insurance".
The second part of yours is correct.
【在 d*********e 的大作中提到】
: 和别人的车相撞，算collision, 走的是liability insurance, 即使是你的责任也不需
: 要付deductable, 而且如果保险公司付出的修车费不超过某额度的话保险公司也不会涨
: 你的premium, 至少State Farm是这样的。
| j********1
发帖数: 762 | |
|
