當維修費用接近車子的殘值要如何處理? - 汽車
By Charlotte
at 2017-07-26T01:02
at 2017-07-26T01:02
Table of Contents
上週在高速公路發生推撞,目前筆錄判定我們沒有責任,
由後方的車輛賠償我們車子和前台車子的損失。
我們的車子是2010年1.8 ALTIS,我們只有保第三責任險。
因沒保車碰車,所以必須跟保險公司交涉。
送回原廠估價維修費用要31萬,我這台車子殘值估算33萬(對方保險公司估價),
即使修完未來也會有行車安全上的疑慮,所以有考慮換新車。
所以我跟對方保險公司說那如果我不修了你賠我31萬,但對方不肯,
他的理由因為維修費未超過殘值,他認為可維修,
倘若不修這樣維修零件要打成一折,賠償費用不到20萬。
左思右想都覺得不合理,我車若在原廠修好,
再拿去中古車行情因為是事故車也賣不到33萬啊
那我修了有有何意義,不如現在直接處理掉這部車,拿錢去付新車頭期。
這兩天有詢問過其他類似的車禍狀況,只要維修費高於車子殘值的2/3,
保險公司就會賠該車的殘值,車子交由對方保險公司處理。
想詢問大家的意見謝謝。
--
由後方的車輛賠償我們車子和前台車子的損失。
我們的車子是2010年1.8 ALTIS,我們只有保第三責任險。
因沒保車碰車,所以必須跟保險公司交涉。
送回原廠估價維修費用要31萬,我這台車子殘值估算33萬(對方保險公司估價),
即使修完未來也會有行車安全上的疑慮,所以有考慮換新車。
所以我跟對方保險公司說那如果我不修了你賠我31萬,但對方不肯,
他的理由因為維修費未超過殘值,他認為可維修,
倘若不修這樣維修零件要打成一折,賠償費用不到20萬。
左思右想都覺得不合理,我車若在原廠修好,
再拿去中古車行情因為是事故車也賣不到33萬啊
那我修了有有何意義,不如現在直接處理掉這部車,拿錢去付新車頭期。
這兩天有詢問過其他類似的車禍狀況,只要維修費高於車子殘值的2/3,
保險公司就會賠該車的殘值,車子交由對方保險公司處理。
想詢問大家的意見謝謝。
--
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汽車
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