國泰世紀產險強烈負評 - 貨車

By William
at 2023-03-14T18:31
at 2023-03-14T18:31
Table of Contents
第一次在本版發文,有任何違反板規的情況煩請告知。
我在110年12月21日
在路上準備靠右白線臨停時,被一台貨車從左後方追撞(對方也是要停車,所以開到我前
面,但是車身撞到我左邊車頭)
警察到場後對對方酒測,發現酒測值1.12,當場以公共危險現行犯逮捕
由於我是法律從業人員,對車禍的流程還算清楚
因此我向國泰世紀產險申請出險時
特別跟理賠人員確認2件事
1.我被酒駕追撞如果無肇責,保費應該不會增加。
2.必須要提供現場圖等資料給我,如果有任何資料顯示我可能由肇責要調我保費,務必提
供給我。
理賠人員表示沒有肇責不會增加保費,也同意第二點
嗣後我在今年要續保時,發現保費數字似乎不太對。
一開始詢問的時候國泰業務還推託稱是今年保費整體有上漲,而且原本有一個9折優惠活
動結束了。
進一步要求提供保險係數資料才確定,我110年那次出險有被增加係數(原本應該是-1 變
成+0)
我又跟當時的理賠人員聯繫,他只推說現場圖他個人認定就是有肇責。
我詢問有無申請初判表他回答沒有。
還說初盤表要我授權才能申請,所以當初沒有申請(?)
再詢問有鑑定或是其他事證認定我有肇責也沒有
還要求我主張沒有肇責要自己舉證。
目前進度我已經申請初判表
但初判表上記載
「本案涉酒後駕車已進入司法程序,肇事原因應以法院最終之確定」
等同也沒有認定
BTW對方酒駕判刑7個月
我目前打算
明日再與保險公司要求立即處理,如不處理會立即向金管會提出投訴
如有必要再向車鑑會申請鑑定。
如有後續會再來補上。
從整個國泰處理的態度來看,我認為非常不負責任且隨便
沒有任何證據就隨意調整我的保險係數,也沒有明確告知
反應有問題還態度消極不處理。
因此強烈反推。分享給各位版友
--
我在110年12月21日
在路上準備靠右白線臨停時,被一台貨車從左後方追撞(對方也是要停車,所以開到我前
面,但是車身撞到我左邊車頭)
警察到場後對對方酒測,發現酒測值1.12,當場以公共危險現行犯逮捕
由於我是法律從業人員,對車禍的流程還算清楚
因此我向國泰世紀產險申請出險時
特別跟理賠人員確認2件事
1.我被酒駕追撞如果無肇責,保費應該不會增加。
2.必須要提供現場圖等資料給我,如果有任何資料顯示我可能由肇責要調我保費,務必提
供給我。
理賠人員表示沒有肇責不會增加保費,也同意第二點
嗣後我在今年要續保時,發現保費數字似乎不太對。
一開始詢問的時候國泰業務還推託稱是今年保費整體有上漲,而且原本有一個9折優惠活
動結束了。
進一步要求提供保險係數資料才確定,我110年那次出險有被增加係數(原本應該是-1 變
成+0)
我又跟當時的理賠人員聯繫,他只推說現場圖他個人認定就是有肇責。
我詢問有無申請初判表他回答沒有。
還說初盤表要我授權才能申請,所以當初沒有申請(?)
再詢問有鑑定或是其他事證認定我有肇責也沒有
還要求我主張沒有肇責要自己舉證。
目前進度我已經申請初判表
但初判表上記載
「本案涉酒後駕車已進入司法程序,肇事原因應以法院最終之確定」
等同也沒有認定
BTW對方酒駕判刑7個月
我目前打算
明日再與保險公司要求立即處理,如不處理會立即向金管會提出投訴
如有必要再向車鑑會申請鑑定。
如有後續會再來補上。
從整個國泰處理的態度來看,我認為非常不負責任且隨便
沒有任何證據就隨意調整我的保險係數,也沒有明確告知
反應有問題還態度消極不處理。
因此強烈反推。分享給各位版友
--
Tags:
貨車
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