iRent車禍肇責比例及處理請益 - 貨車
By Jacky
at 2021-04-13T15:59
at 2021-04-13T15:59
Table of Contents
小妹於今年過年前租iRent在新北市淡水區鄧公路54號的地方發生車禍,
約在圖中北4鄉道的「道」處發生。
https://imgur.com/BgLPx24
車禍現場照
https://imgur.com/ixf9PeA
https://imgur.com/PVdvQji
做完筆錄及到 iRent 辦事處預刷賠償後,也簽名委託 iRent 配合的保險業務員協助後續處理,上週收到初判表。
https://imgur.com/Dk8kDL4
https://imgur.com/Dk8kDL4
---事發經過---
從我的角度理解的事發經過如下:
我完成迴轉(註1),後方有一輛小貨車在等我迴轉,自用的小客車為了要超車小貨車,所以切到對向
,當他要回到車道時,才發現我在小貨車前面,所以就從我的左後方撞上。
註1:我在迴轉時為違規迴轉。是因為迴轉時覺得對向旁有停車,我不好轉,所以才往前開一點,有壓過雙黃線。
對自己的迴轉技術沒有信心,所以都小心翼翼,感謝小貨車耐心等我。
自用小客車對警方的筆錄及當下不斷和旁觀者闡述的說法如下:
我(iRent)違停在紅線上,突然切出來,他來不急煞車,才會撞到。
在後方停等的小貨車一看到我們發生車禍,就立刻離開現場了!而我們雙方都沒有行車記錄器,
旁邊的電線竿上有攝影機,警察在現場測量時也有抄寫攝影機編號,但目前從初判表看起來是沒有影像。
---目前處理狀況---
因初判表無法判定肇責,保險業務員說依照慣例,會以肇責各半處理。
依據他的經驗,如果我去事故鑑定,我的肇責可能比5成還高,
而且就算我同意要5成對方可能還不見得同意,他還會去幫我協調。
如果對方不同意的話,下一步就是進入訴訟調解。
我另外問朋友,他們的經驗是肇責主要是判斷事故發生的因果關係。
而我早就迴轉完到我的車道了,且車子已回正。
所以應該是對方跨到對向超車這件事為本次肇事主因,與我違規迴轉沒有強烈關係,所以我的責任應會比較小。
這是第一次發生車禍,爬了文有看到建議說直接去議價。
對方目前沒有聯絡賠償事宜(初步了解是沒有保險),主要都是由我們這邊的保險業務員在聯絡雙方。
而目前跟 iRent 聯絡是說,賠償的比例就是依據保險公司跟他們回報肇責比例去計算。
因我還未同意以5成肇責計算,所以他們還沒收到通知(已經先請iRent 提供修車的報價單了)。
朋友與保險業務員的講法有點落差,
不確定自己下一步該怎麼做好,
想請問若是這樣的狀況大家會如何處理?
會將這次的經驗當作一次學習,如果有錯誤的地方歡迎大家指正,但要拜託大家鞭小力一點!
有需要補充的地方請再告知,感謝大家!
--
Tags:
貨車
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