機車撞到汽車保桿 賠償請益 - 汽車

By Eden
at 2023-03-22T23:15
at 2023-03-22T23:15
Table of Contents
事情大概發生在兩個星期前
小弟的父親騎著我的摩托車,在路上因緊急煞車,距離過近倒車,擦撞前方汽車的
保險桿(以上是父親敘述),如果依照照片看起來真的如同我父親所說,就是塑膠相
互摩擦後造成的。
https://imgur.com/a/vnlAmAV
因為自己的機車很少在騎,都是由父親做短程騎乘,因此也沒想到要去保責任險,
每年就強制險保一保,結果這次就吃虧到了。
上星期對方保險員,打電話說保桿一隻2萬,說會寄報價單給我爸,可是至今都還沒
看到,據我爸的口述,他跟對方保險員說,"就只是擦傷而已,就要換保桿,那如果
你說要我換新車,那我是不是也要照單全收?" 也因此,才說要報價單給我爸。
也因為這個事情,我也打算幫我爸換一台機車,畢竟我的舊摩托車是2000年買到現
在,主要兩個考量 1)舊車太重,父親年紀大比較沒有力氣; 2)新車趕緊加保責任險
避免再次發生。 但是,現在換我父親又有意見,他的考量如下
1.) 事故還沒處裡完,不能把車處理掉
(心中OS: 又不是肇事逃逸,而且也都備案了,應該沒差吧?)
2.) 萬一對方指證我們就是有把保桿撞壞,可以給他看機車狀況
(心中OS: 都過那麼久了不會有人想看的,當下拍照才是證據)
我是較傾向趕緊換車,並且加保第三人責任險,想請問有經驗的大大,上面兩項考量
應該都不構成問題吧?
我是覺得最差就是賠那隻保桿2萬(Lexus 應該是5年內的車,我爸沒拍到整個後車尾)
,我爸個人覺得頂多做個美容了不起5~6千,但我跟我爸溝通,若換位思考,如果我保
乙式 or 甲式 肯定是會要求直接出險,接下來就是保險代位求償了。基本上,是否就
真的只能照單全收(5年內車不太有折舊問題)? 可否有大大可以分享一下
另外想請教,整個流程會拖多久(6個月)? (老人家每天都在碎念...其實很煩)
我詢問過有出過車禍的同事(有第三責任險),大概是6個月結案,保險公司簡訊通知結
案,也沒有出面去和解之類的,唯一不同就是保費漲價 XD...
感謝各位大大閱讀~
--
小弟的父親騎著我的摩托車,在路上因緊急煞車,距離過近倒車,擦撞前方汽車的
保險桿(以上是父親敘述),如果依照照片看起來真的如同我父親所說,就是塑膠相
互摩擦後造成的。
https://imgur.com/a/vnlAmAV
因為自己的機車很少在騎,都是由父親做短程騎乘,因此也沒想到要去保責任險,
每年就強制險保一保,結果這次就吃虧到了。
上星期對方保險員,打電話說保桿一隻2萬,說會寄報價單給我爸,可是至今都還沒
看到,據我爸的口述,他跟對方保險員說,"就只是擦傷而已,就要換保桿,那如果
你說要我換新車,那我是不是也要照單全收?" 也因此,才說要報價單給我爸。
也因為這個事情,我也打算幫我爸換一台機車,畢竟我的舊摩托車是2000年買到現
在,主要兩個考量 1)舊車太重,父親年紀大比較沒有力氣; 2)新車趕緊加保責任險
避免再次發生。 但是,現在換我父親又有意見,他的考量如下
1.) 事故還沒處裡完,不能把車處理掉
(心中OS: 又不是肇事逃逸,而且也都備案了,應該沒差吧?)
2.) 萬一對方指證我們就是有把保桿撞壞,可以給他看機車狀況
(心中OS: 都過那麼久了不會有人想看的,當下拍照才是證據)
我是較傾向趕緊換車,並且加保第三人責任險,想請問有經驗的大大,上面兩項考量
應該都不構成問題吧?
我是覺得最差就是賠那隻保桿2萬(Lexus 應該是5年內的車,我爸沒拍到整個後車尾)
,我爸個人覺得頂多做個美容了不起5~6千,但我跟我爸溝通,若換位思考,如果我保
乙式 or 甲式 肯定是會要求直接出險,接下來就是保險代位求償了。基本上,是否就
真的只能照單全收(5年內車不太有折舊問題)? 可否有大大可以分享一下
另外想請教,整個流程會拖多久(6個月)? (老人家每天都在碎念...其實很煩)
我詢問過有出過車禍的同事(有第三責任險),大概是6個月結案,保險公司簡訊通知結
案,也沒有出面去和解之類的,唯一不同就是保費漲價 XD...
感謝各位大大閱讀~
--
Tags:
汽車
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