「事故車」修或不修 - 汽車
By Mia
at 2020-07-09T16:35
at 2020-07-09T16:35
Table of Contents
我把ALTIS 1.8 2011年車頭撞壞,有爆氣囊,里程23萬
原廠報價26萬,但因為我有保丙式車體險,可理賠17萬
我還要修嗎?
原本今年打算把車子賣掉換新車,這下子變事故車應該折價折很慘,
所以修好再拿到中古市場估價肯定慘不忍睹。
唉...但事故發生了,所以我現在有以下考量的點,請車友分享看法,謝謝
1.如果跟原廠說我要修,那原廠成本考量一定用中古料修理,請問修好之後安全性或
妥善率會多慘? 26-17=-9(是原廠用中古料的風險)
2.再拖到外面的民間維修廠,會得到全新料的機會大嗎?或者能修得好又開得安心呢?
還要貼多少不清楚,已請理賠專員找有認識的評估
但修好後頂多再開個2年,就完全報廢掉。
3.還是說別想了,直接報廢拿17萬買新車,結案。(假設新車價85萬-17萬=68萬
再拿68萬出來買新車)
再次感謝你們的回答
7/10補充:
我想起理賠專員跟我說今年之前理賠金小於維修金額的話基本上就是報全損,
但今年金管會新規定是要給車主選擇要不要在理賠金額內修復或加錢修到滿意為止;
專員也提到目前也是保險公司跟車廠鬥智的地方,原廠說26萬就真的需要到26萬嗎?
開始修之後發現裡頭還有零件要修恐不止26萬,但也可能有些零件根本不需要更換,
所以不一定修到26萬;還有好修不好修、拿17萬修的開不開心也是原廠要評估的,
所以理賠專員也說如果我有意願想修好繼續開,他幫我找外廠估估看,他認為ALTIS
到外面板金什麼的,不輸原廠技術。
原廠廠長今天會來電,或許是勸我別修,但我還是會想知道損壞程度及修復後安全性,
同事認為如果傷到底盤的話就不要修,開起來也危險。
總之事情走到這理,需要3方溝通討論修或不修。
謝謝各位車友踴躍分享,初步看下來建議我拿17萬換新車省事的車友比較多,
沉墊幾小時後,目前有一些想法跟大家報告:
我查2011年式、20萬以上高里程的中古車價碼約在24萬以內
我老爸在賣中古車的老同學說一台中古車平均就是賺5萬,就假設友情價跟我收19萬,
但這還得不是事故車...總之,車子修好給我爸同學估大概低於18萬(說不定還要扣
4顆已經開6萬公里的輪胎錢)
我老爸昨天提醒我,有小孩、有房貸,買新車要再拿錢出來負擔會更重,還是拿錢
買中古車,他要我想清楚,反正家裡現在有車先讓我開,先拿理賠金慢慢想。
--
原廠報價26萬,但因為我有保丙式車體險,可理賠17萬
我還要修嗎?
原本今年打算把車子賣掉換新車,這下子變事故車應該折價折很慘,
所以修好再拿到中古市場估價肯定慘不忍睹。
唉...但事故發生了,所以我現在有以下考量的點,請車友分享看法,謝謝
1.如果跟原廠說我要修,那原廠成本考量一定用中古料修理,請問修好之後安全性或
妥善率會多慘? 26-17=-9(是原廠用中古料的風險)
2.再拖到外面的民間維修廠,會得到全新料的機會大嗎?或者能修得好又開得安心呢?
還要貼多少不清楚,已請理賠專員找有認識的評估
但修好後頂多再開個2年,就完全報廢掉。
3.還是說別想了,直接報廢拿17萬買新車,結案。(假設新車價85萬-17萬=68萬
再拿68萬出來買新車)
再次感謝你們的回答
7/10補充:
我想起理賠專員跟我說今年之前理賠金小於維修金額的話基本上就是報全損,
但今年金管會新規定是要給車主選擇要不要在理賠金額內修復或加錢修到滿意為止;
專員也提到目前也是保險公司跟車廠鬥智的地方,原廠說26萬就真的需要到26萬嗎?
開始修之後發現裡頭還有零件要修恐不止26萬,但也可能有些零件根本不需要更換,
所以不一定修到26萬;還有好修不好修、拿17萬修的開不開心也是原廠要評估的,
所以理賠專員也說如果我有意願想修好繼續開,他幫我找外廠估估看,他認為ALTIS
到外面板金什麼的,不輸原廠技術。
原廠廠長今天會來電,或許是勸我別修,但我還是會想知道損壞程度及修復後安全性,
同事認為如果傷到底盤的話就不要修,開起來也危險。
總之事情走到這理,需要3方溝通討論修或不修。
謝謝各位車友踴躍分享,初步看下來建議我拿17萬換新車省事的車友比較多,
沉墊幾小時後,目前有一些想法跟大家報告:
我查2011年式、20萬以上高里程的中古車價碼約在24萬以內
我老爸在賣中古車的老同學說一台中古車平均就是賺5萬,就假設友情價跟我收19萬,
但這還得不是事故車...總之,車子修好給我爸同學估大概低於18萬(說不定還要扣
4顆已經開6萬公里的輪胎錢)
我老爸昨天提醒我,有小孩、有房貸,買新車要再拿錢出來負擔會更重,還是拿錢
買中古車,他要我想清楚,反正家裡現在有車先讓我開,先拿理賠金慢慢想。
--
Tags:
汽車
All Comments
By Doris
at 2020-07-10T17:42
at 2020-07-10T17:42
By Olivia
at 2020-07-12T07:35
at 2020-07-12T07:35
By Olga
at 2020-07-14T10:08
at 2020-07-14T10:08
By Doris
at 2020-07-18T23:07
at 2020-07-18T23:07
By Rosalind
at 2020-07-21T02:03
at 2020-07-21T02:03
By Elizabeth
at 2020-07-23T04:26
at 2020-07-23T04:26
By Ethan
at 2020-07-27T10:18
at 2020-07-27T10:18
By Zora
at 2020-07-28T01:52
at 2020-07-28T01:52
By Frederica
at 2020-08-01T13:57
at 2020-08-01T13:57
By Leila
at 2020-08-05T01:03
at 2020-08-05T01:03
By Donna
at 2020-08-08T13:48
at 2020-08-08T13:48
By Agatha
at 2020-08-09T08:02
at 2020-08-09T08:02
By Lydia
at 2020-08-14T00:16
at 2020-08-14T00:16
By Bennie
at 2020-08-16T11:21
at 2020-08-16T11:21
By Agatha
at 2020-08-21T01:50
at 2020-08-21T01:50
By Barb Cronin
at 2020-08-21T03:16
at 2020-08-21T03:16
By Madame
at 2020-08-24T17:40
at 2020-08-24T17:40
By James
at 2020-08-26T18:08
at 2020-08-26T18:08
By John
at 2020-08-27T08:01
at 2020-08-27T08:01
By John
at 2020-08-30T23:36
at 2020-08-30T23:36
By Freda
at 2020-09-01T05:38
at 2020-09-01T05:38
By Gary
at 2020-09-02T16:14
at 2020-09-02T16:14
By Carol
at 2020-09-04T11:58
at 2020-09-04T11:58
By Barb Cronin
at 2020-09-06T19:07
at 2020-09-06T19:07
By Yedda
at 2020-09-11T01:20
at 2020-09-11T01:20
By Kristin
at 2020-09-13T07:35
at 2020-09-13T07:35
By Franklin
at 2020-09-14T00:32
at 2020-09-14T00:32
By Thomas
at 2020-09-17T18:34
at 2020-09-17T18:34
By Doris
at 2020-09-18T00:45
at 2020-09-18T00:45
By Todd Johnson
at 2020-09-20T22:57
at 2020-09-20T22:57
By Lily
at 2020-09-23T13:58
at 2020-09-23T13:58
By Jake
at 2020-09-26T23:30
at 2020-09-26T23:30
By Jake
at 2020-09-29T03:05
at 2020-09-29T03:05
By Aaliyah
at 2020-10-03T05:20
at 2020-10-03T05:20
By John
at 2020-10-06T05:39
at 2020-10-06T05:39
By Olivia
at 2020-10-07T04:02
at 2020-10-07T04:02
By Linda
at 2020-10-11T23:01
at 2020-10-11T23:01
By Hedda
at 2020-10-16T21:23
at 2020-10-16T21:23
By Kama
at 2020-10-18T05:31
at 2020-10-18T05:31
By Margaret
at 2020-10-18T20:44
at 2020-10-18T20:44
By Bennie
at 2020-10-20T22:06
at 2020-10-20T22:06
By Linda
at 2020-10-21T07:20
at 2020-10-21T07:20
By Hedda
at 2020-10-24T07:38
at 2020-10-24T07:38
By Skylar Davis
at 2020-10-25T13:06
at 2020-10-25T13:06
By Andy
at 2020-10-30T00:15
at 2020-10-30T00:15
By Oscar
at 2020-11-02T22:44
at 2020-11-02T22:44
By Harry
at 2020-11-05T17:46
at 2020-11-05T17:46
By Joseph
at 2020-11-08T02:18
at 2020-11-08T02:18
By Hedda
at 2020-11-12T10:58
at 2020-11-12T10:58
By Donna
at 2020-11-16T02:19
at 2020-11-16T02:19
By Skylar DavisLinda
at 2020-11-18T11:23
at 2020-11-18T11:23
By Ethan
at 2020-11-18T20:39
at 2020-11-18T20:39
By Audriana
at 2020-11-20T00:42
at 2020-11-20T00:42
By Yuri
at 2020-11-24T13:10
at 2020-11-24T13:10
By Candice
at 2020-11-27T21:22
at 2020-11-27T21:22
By Brianna
at 2020-12-02T20:10
at 2020-12-02T20:10
By Caitlin
at 2020-12-03T17:58
at 2020-12-03T17:58
By Catherine
at 2020-12-05T20:35
at 2020-12-05T20:35
By Yuri
at 2020-12-09T13:40
at 2020-12-09T13:40
By Rebecca
at 2020-12-09T17:57
at 2020-12-09T17:57
By Ina
at 2020-12-11T21:05
at 2020-12-11T21:05
By Hazel
at 2020-12-13T07:15
at 2020-12-13T07:15
By Ursula
at 2020-12-17T19:19
at 2020-12-17T19:19
By Joseph
at 2020-12-22T02:16
at 2020-12-22T02:16
By Yuri
at 2020-12-26T02:22
at 2020-12-26T02:22
By Necoo
at 2020-12-29T07:43
at 2020-12-29T07:43
By Ethan
at 2021-01-03T00:10
at 2021-01-03T00:10
By Christine
at 2021-01-06T03:37
at 2021-01-06T03:37
By Frederic
at 2021-01-06T07:12
at 2021-01-06T07:12
By Hedwig
at 2021-01-07T23:01
at 2021-01-07T23:01
By Todd Johnson
at 2021-01-08T18:48
at 2021-01-08T18:48
By Quintina
at 2021-01-09T14:48
at 2021-01-09T14:48
By James
at 2021-01-12T05:32
at 2021-01-12T05:32
By Jack
at 2021-01-15T13:17
at 2021-01-15T13:17
By Una
at 2021-01-20T05:47
at 2021-01-20T05:47
By Vanessa
at 2021-01-24T05:40
at 2021-01-24T05:40
By Donna
at 2021-01-28T08:56
at 2021-01-28T08:56
By Ingrid
at 2021-01-30T05:07
at 2021-01-30T05:07
By Isabella
at 2021-02-01T10:03
at 2021-02-01T10:03
By Wallis
at 2021-02-03T10:21
at 2021-02-03T10:21
By Jack
at 2021-02-04T12:28
at 2021-02-04T12:28
By Hamiltion
at 2021-02-06T15:28
at 2021-02-06T15:28
Related Posts
剛出社會年輕人想買進口車問題
By Vanessa
at 2020-07-09T15:35
at 2020-07-09T15:35
Arteon五門獵跑及GT版系列車評
By Erin
at 2020-07-09T15:32
at 2020-07-09T15:32
國道塞車有解方! 運輸學會建議:通行費
By Emma
at 2020-07-09T14:58
at 2020-07-09T14:58
打敗一百個競爭對手!特斯拉 Model 3 贏
By Connor
at 2020-07-09T14:58
at 2020-07-09T14:58
震撼!Corolla Cross官方影片出爐!
By Tristan Cohan
at 2020-07-09T14:16
at 2020-07-09T14:16