新光丙式出險 & Prius4 鈑修經驗分享 - 汽車
By Susan
at 2020-07-11T22:17
at 2020-07-11T22:17
Table of Contents
六月中時在嘉義被摩托車擊落右後車門,最近出險車子剛鈑修回來分享給大家一下.
整段流程就是:案發-->報警+保險專線-->筆錄--> 估價-->決定是否出險-->追蹤保險
調初判單進度&保險系數,底下會分段寫.
=====案發&處理過程=====
https://imgur.com/oGkTs1k
https://imgur.com/0UltJz1
藍色是我,紅色是那台機車,當時內道沒車,中外道停了兩三台在等紅燈的汽車(黑色)
,我是遠遠就順者內道要一路開,根黑車平行時已減速到時速低於20時號誌轉綠燈,所以
就放掉剎車要繼續開,還沒踩油門就吃了一發鬼神左轉,案發位置差不多就圖中那台車的
位置.他撞到我右後門後倒下,初看是皮肉小傷&機車小損,但避免萬一一定要立刻報
警+保險,省得事後遇到遇到糾纏不清的情形或是反被人家告肇事逃逸.當時同步保險是
說假日無法派人來看現場,就只能先報警&備案,以警察判定為主.我有點沒做好的是地
上沒做好記號就讓雙方把車移到路邊等警察來,時速低到地上沒啥剎車痕,就一攤他機車
倒下的痕跡,警察看一看後就要我們去警局做筆錄,筆錄還會分開做大概怕雙方打起來.
筆錄只是備案,代表警察受理這件事,但肇責不會現在判,就看雙方半年內看要不要上法
院或保險公司要求才給.我就照上面那段講,然後把行車紀錄器檔案給警察看.影片有拍
到完全符合我講法 + 我被黑車擋住完全看不到機車 + 撞擊點是我右後門 + 那路口機車
要兩段式左轉,口風探探我大概是零肇責吧,就拿了三聯單結束這回合.
=====受損狀況+估價出險=====
https://imgur.com/GY83kMb
https://imgur.com/YUaGmwb
https://imgur.com/fyDXmty
有三聯單後,就是先跑估價,然後不要開修,概念就是保險都要確認過修的店家有沒有漫
天喊價亂來,保險公司買單後才可以開修.所以不一定要找原廠,也可找外廠估價,只要
外廠肯給跑保險給付+自己送估價單就好.其實傷沒很大,但見底漆還是要處理,兩萬七
說貴不貴說便宜不便宜,肇責判定要等一兩個月,網路上問了兩三家手藝好的都直說保險
件給原廠弄就好,正常人等不了這麼久,所以就賭我零肇責後直接在原廠出險,讓原廠一
條龍根保險溝通去,過個一兩天後電話跟保險確認細節後就可以把車開去修了.肇責到現
在還沒下來,所以明年保費怎動我也還不知;我保險是給買車的業務作,所以後續就請他
幫我注意細項了.
=====鈑修後狀況======
https://imgur.com/SClnjKS
https://imgur.com/WjJcJFs
https://imgur.com/RnErU5u
那幾個小洞我也不知為啥他們要整片噴,原廠說法是局部處理容易碰趴脫落.下側裙塑料
件撞凹沒得鈑就整隻換了,外廠我猜會補土處理.新竹鈑噴廠工算可以,色差不明顯,至
少相機或不認真看的時候很難看出來(門vs葉子板); 均勻度沒有原漆好,但那大概也是
去另外一邊交替對比後才有感.比較差的大概就前門縫收得有點毛邊(圖三).服務不錯
的是裡外都整過一輪,車變乾淨外,油門/剎車/方向盤都變得更緊實,還把我原本四門貼
得很兩光的隔音條通通貼好貼滿貼漂亮,熊熊有種撿到新車開個fu,定保都沒這感受,花
錢果然是大爺,好險是保險買單.不過丟了條抹布在我後車箱是有點搞笑,要送我條擦輪
框布也要先講啊 :)
--
Tags:
汽車
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