獨家/特斯拉「掉坑」乙式車險不賠? 保險局與車主澄清: - 特斯拉

By Xanthe
at 2023-05-05T20:37
at 2023-05-05T20:37
Table of Contents
原文連結:
https://cars.tvbs.com.tw/car-news/115145
原文內容:
獨家/特斯拉「掉坑」乙式車險不賠? 保險局與車主澄清:錯誤資訊太多
編輯 謝明翰 2023 年 5 月 4 日
https://tinyurl.com/yc2443tm
(圖片來源/ PTT)
2023年4月27日上午9時許,位於新竹竹北勝利一路跟勝利二路之間的莊敬六街上,一輛
Tesla Model Y停放在路邊停車格內,沒想到路面下陷坍塌,整輛車直接傾覆掉入坑洞,
且最新狀況指出,原廠認定Model Y為全損無法修復,網友們則議論著「乙式車體險到底
能不能理賠?」先前有其他媒體報導,將保險局副局長林志憲的回應,解讀成「僅甲式車
體險可賠」,但《地球黃金線》進一步詢問,保險局表示,當時的回應絕不是斷言乙式車
體險不賠,車主亦接受《地球黃金線》訪問進行說明。
https://tinyurl.com/4z554uu9
2023年4月27日上午9時許,位於新竹竹北勝利一路跟勝利二路之間的莊敬六街上,一輛
Tesla Model Y停放在路邊停車格內,沒想到路面下陷坍塌,整輛車直接傾覆掉入坑洞。(
圖片來源/ TVBS)
甲式車體險與乙式車體險面對「車碰車、車碰物、傾覆、火災、閃電、爆炸、拋擲物、墜
落物」等車損都會理賠,不談某些產險公司會提供的乙式車險附加險種的話,兩個主險差
異就在於,甲式車體險會賠償「第三人非善意行為、不明原因車損」,而乙式車體險必須
要能確認車損原因,且不能是第三人非善意行為的破壞。
https://tinyurl.com/3n5a48kd
乙式車體險必須要能確認車損原因,且不能是第三人非善意行為的破壞。(圖片來源/
TVBS)
回過頭來看這一次「特斯拉掉坑」事件,第一時間就有部分媒體報導表示,這是屬於傾覆
,意即乙式車體險能夠理賠,但隨著有媒體提到,保險局副局長林志憲談及此案:「第三
人責任險確定不賠,車體險依目前狀況得投保最貴的甲式一定有賠!」將其延伸解讀為乙
式車體險不賠,再加上還有報導說「車主遇上保險公司不理賠」,多數網友自然而然更認
為此事件僅有甲式車體險才可賠償。
然而,《地球黃金線》進一步向保險局確認,得到答覆是指,副局長的回應僅是強調甲式
車體險保障最全面,但並非斷定乙式車體險不賠;此外,保險局還提到,就他們所知,保
險公司應是有在商討處理相關事宜。
https://tinyurl.com/4h4bx6p2
《地球黃金線》進一步向保險局確認,得到答覆是指,副局長的回應僅是強調甲式車體險
保障最全面,但並非斷定乙式車體險不賠。(圖片來源/ 記者爆料網、PTT)
接著來談論網友們在討論整起事件過程中所提到的幾個問題。
1.乙式車險的傾覆僅限駕駛中才賠?
經過向幾家產險公司理賠部門詢問,皆表示「傾覆」絕不限於開車,即使靜止傾覆也可賠
償,但就是要能確認肇因。所以舉個誇張例子,如果愛車被撞到翻車,但你又沒監視器畫
面、抓不到兇手,那這時就必須是甲式「不明原因車損」才可賠償。
2.乙式有望賠償,但需以個案討論。
保險局副局長的回覆只是說明甲乙丙式差異,而在乙式車體險是否理賠?就會進入個案討
論。在產險公司討論乙式車險的理賠時,會看車主是否「可舉證」,也就是說有辦法佐證
誰把車弄壞就可以理賠,舉例在私人停車場遇到愛車被擦撞弄壞,但有監視器畫面證明的
話,理賠絕不成問題。而這一次的事件來說,基本上都有拍到為何會傾覆,初步看起來有
在理賠範圍內。
3.為何會出現「保險公司說不賠」的報導?
根據《地球黃金線》向車主本人詢問,本人表示,由於他的父親向某一媒體的說詞與抨擊
,應只是與該記者是朋友,在聊天過程中所提,但車主父親並不了解全盤狀況,該媒體亦
未向車主求證,所以許多論點皆與事實有出入,他本人也無說出惡意攻擊建商的言論。此
外,車主提到,他是透過保經公司向「國泰產險」投保乙式車險,目前全案理賠已經在處
理,皆有影像清楚拍到事故原因,並不屬於「不明車損」,產險公司會釐清權責單位進而
去做代位求償,絕無「保險公司不賠」的情形。
4.車主需在5月19日前付出230萬元款項?
車主說明整個狀況,提到他從今年3月20日開始承租特斯拉Model Y,因此每個月19日就是
一個租期,在此次事件發生前,已經支付了「3月20日~4月19日」以及「4月20日~5月19日
」的租金,結果碰上全損事件,所以有向租賃公司申請終止合約,必須支付車輛款項與違
約金。
而有媒體報導「230萬元」的金額,正確數字應是「225萬元」,計算方式是「月租金x48
期+違約金」,所以才會大於新車價212萬元。車主強調,雖然要付給租賃公司225萬元是
事實,但也沒有收到租賃公司強制要求5月19日前結清,希望社會大眾不要被某些錯誤訊
息給誤導。
https://tinyurl.com/395x2eka
車主希望社會大眾不要被某些錯誤訊息給誤導。(圖片來源/ TVBS)
心得/說明:(30字以上)
車主出面說明了,大家可以不用再鍵盤辦案,接下來就靜待行政&司法流程了
上一篇車主父親開保險公司&建商副本的新聞也是我轉到版上的
那這一篇本肥也PO一下,做個平衡
我的看法是:無風不起浪,事出必有因
雖然車主有親自出面說明目前狀況,但我認為這幾天當中肯定還是經過了很多的「協商」
說到底我還是認為,按常理判斷,上列四項的說明及結果都是繞了很多圈才有的
幾乎不可能一開始就有如此「相對」圓滿的共識,之後又突然變卦的話也不用太意外
以上個人淺見~
--
All Comments

By Oliver
at 2023-05-07T21:23
at 2023-05-07T21:23

By James
at 2023-05-07T17:05
at 2023-05-07T17:05

By Damian
at 2023-05-09T17:51
at 2023-05-09T17:51

By Margaret
at 2023-05-07T17:05
at 2023-05-07T17:05

By Mia
at 2023-05-09T17:51
at 2023-05-09T17:51

By Heather
at 2023-05-07T17:05
at 2023-05-07T17:05

By Callum
at 2023-05-09T17:51
at 2023-05-09T17:51

By Andy
at 2023-05-07T17:05
at 2023-05-07T17:05

By Charlotte
at 2023-05-09T17:51
at 2023-05-09T17:51

By Daniel
at 2023-05-07T17:05
at 2023-05-07T17:05

By Mary
at 2023-05-09T17:51
at 2023-05-09T17:51

By Skylar Davis
at 2023-05-07T17:05
at 2023-05-07T17:05

By Leila
at 2023-05-09T17:51
at 2023-05-09T17:51

By Ophelia
at 2023-05-07T17:05
at 2023-05-07T17:05

By Catherine
at 2023-05-09T17:51
at 2023-05-09T17:51

By Frederica
at 2023-05-07T17:05
at 2023-05-07T17:05

By Bennie
at 2023-05-09T17:51
at 2023-05-09T17:51

By Kumar
at 2023-05-07T17:05
at 2023-05-07T17:05

By Rebecca
at 2023-05-09T17:51
at 2023-05-09T17:51

By George
at 2023-05-07T17:05
at 2023-05-07T17:05

By Hazel
at 2023-05-09T17:51
at 2023-05-09T17:51

By Jack
at 2023-05-07T17:05
at 2023-05-07T17:05

By Tom
at 2023-05-09T17:51
at 2023-05-09T17:51

By Jake
at 2023-05-07T17:05
at 2023-05-07T17:05

By Frederic
at 2023-05-09T17:51
at 2023-05-09T17:51

By Elma
at 2023-05-07T17:05
at 2023-05-07T17:05

By James
at 2023-05-09T17:51
at 2023-05-09T17:51

By Eartha
at 2023-05-07T17:05
at 2023-05-07T17:05

By Valerie
at 2023-05-09T17:51
at 2023-05-09T17:51

By Erin
at 2023-05-07T17:05
at 2023-05-07T17:05

By Wallis
at 2023-05-09T17:51
at 2023-05-09T17:51

By Aaliyah
at 2023-05-07T17:05
at 2023-05-07T17:05

By Charlotte
at 2023-05-09T17:51
at 2023-05-09T17:51

By Tracy
at 2023-05-07T17:05
at 2023-05-07T17:05

By Doris
at 2023-05-09T17:51
at 2023-05-09T17:51

By Isla
at 2023-05-07T17:05
at 2023-05-07T17:05

By Rae
at 2023-05-09T17:51
at 2023-05-09T17:51

By Yedda
at 2023-05-07T17:05
at 2023-05-07T17:05

By Andrew
at 2023-05-09T17:51
at 2023-05-09T17:51

By Yedda
at 2023-05-07T17:05
at 2023-05-07T17:05

By Suhail Hany
at 2023-05-09T17:51
at 2023-05-09T17:51

By Ursula
at 2023-05-07T17:05
at 2023-05-07T17:05
Related Posts
台灣的開車習慣有追上日本的一天嗎

By Skylar Davis
at 2023-05-05T14:42
at 2023-05-05T14:42
縮短車距行車時間會比較短嗎

By Enid
at 2023-05-05T14:35
at 2023-05-05T14:35
YT影片窮奢極欲-為何台灣道路這麼危險

By Mason
at 2023-05-05T14:33
at 2023-05-05T14:33
關於斑馬線禮讓行人

By Linda
at 2023-05-05T09:10
at 2023-05-05T09:10
PRIUS PHEV多100匹是否有點吸引人?

By Tristan Cohan
at 2023-05-04T22:50
at 2023-05-04T22:50