老車停路邊被撞,對方保險只賠殘值 - 保養
By Leila
at 2016-05-11T21:45
at 2016-05-11T21:45
Table of Contents
各位好,小弟最近遇上一件衰事
我的車子是車齡13年的仙草, 雖然車齡大但是保養得宜,所以一直都很好開也沒什麼問題
。
直到上周晚上停在路邊白線內,被一輛車轉彎失速連撞了四台車,而我的車首當其衝最為
嚴重,隔了兩天警察才聯絡到我才發現。
車子的慘況如下,車門變形無法開啟,另一邊車門也因為推擠而受傷
http://i.imgur.com/Z4XSQvS.jpg
對方因為有保全險而允諾保險公司會全額賠償,而問題點來了
進入原廠估價後修復費用粗估要14w,而保險公司自然拿出那套理論,維修費用超過殘值
而只願賠償車子殘值約6w
重點是我去二手車網查,同年分同型號的車開價從9w到15w都有,6w元我根本買不到一台
車,更何況還要承擔買二手車後續會有的風險。
我了解法律條文規定每年折舊36.9%的計算方式(私心認為極不合理),知道上法庭也不一
定對自身有利,也知道工資無法折舊而零件可以,但是車體毀損嚴重就算堅持都以修復的
方式維修而不更換零件,車廠似乎也無法做到,除非真的找到一個同年份的零件來更換,
但這似乎更不可行。
目前想到的方式是
1. 請車廠零件的部分能修就修,盡量壓低需要換新品的部分, 以此份估價單來談
2. 主張要求將車子恢復原狀不要賠償(需原廠保證安全無虞,恢復事故前車況)
3. 提出過去所有維修保養的紀錄,證明自身車況良好
4. 認賠殺出
沒有違規停路邊無緣無故被撞就夠衰了,現在沒車可用還只能拿回一點點錢,真的很不甘
心,對方還不用出面全交給保險公司處理,而我卻要日夜煩惱,唉
有版友有類似經驗最後成功捍衛自己的愛車的嗎?目前亟需各方意見
謝謝大家耐心的閱讀
--
我的車子是車齡13年的仙草, 雖然車齡大但是保養得宜,所以一直都很好開也沒什麼問題
。
直到上周晚上停在路邊白線內,被一輛車轉彎失速連撞了四台車,而我的車首當其衝最為
嚴重,隔了兩天警察才聯絡到我才發現。
車子的慘況如下,車門變形無法開啟,另一邊車門也因為推擠而受傷
http://i.imgur.com/Z4XSQvS.jpg
對方因為有保全險而允諾保險公司會全額賠償,而問題點來了
進入原廠估價後修復費用粗估要14w,而保險公司自然拿出那套理論,維修費用超過殘值
而只願賠償車子殘值約6w
重點是我去二手車網查,同年分同型號的車開價從9w到15w都有,6w元我根本買不到一台
車,更何況還要承擔買二手車後續會有的風險。
我了解法律條文規定每年折舊36.9%的計算方式(私心認為極不合理),知道上法庭也不一
定對自身有利,也知道工資無法折舊而零件可以,但是車體毀損嚴重就算堅持都以修復的
方式維修而不更換零件,車廠似乎也無法做到,除非真的找到一個同年份的零件來更換,
但這似乎更不可行。
目前想到的方式是
1. 請車廠零件的部分能修就修,盡量壓低需要換新品的部分, 以此份估價單來談
2. 主張要求將車子恢復原狀不要賠償(需原廠保證安全無虞,恢復事故前車況)
3. 提出過去所有維修保養的紀錄,證明自身車況良好
4. 認賠殺出
沒有違規停路邊無緣無故被撞就夠衰了,現在沒車可用還只能拿回一點點錢,真的很不甘
心,對方還不用出面全交給保險公司處理,而我卻要日夜煩惱,唉
有版友有類似經驗最後成功捍衛自己的愛車的嗎?目前亟需各方意見
謝謝大家耐心的閱讀
--
Tags:
保養
All Comments
By Dinah
at 2016-05-14T04:35
at 2016-05-14T04:35
By Franklin
at 2016-05-18T16:25
at 2016-05-18T16:25
By Sandy
at 2016-05-23T02:07
at 2016-05-23T02:07
By Xanthe
at 2016-05-24T04:48
at 2016-05-24T04:48
By Kumar
at 2016-05-28T18:24
at 2016-05-28T18:24
By Margaret
at 2016-05-30T11:11
at 2016-05-30T11:11
By James
at 2016-06-02T04:32
at 2016-06-02T04:32
By Damian
at 2016-06-06T02:25
at 2016-06-06T02:25
By Callum
at 2016-06-10T20:09
at 2016-06-10T20:09
By Dinah
at 2016-06-12T06:17
at 2016-06-12T06:17
By Ophelia
at 2016-06-16T17:16
at 2016-06-16T17:16
By Victoria
at 2016-06-18T11:19
at 2016-06-18T11:19
By Charlotte
at 2016-06-20T11:41
at 2016-06-20T11:41
By Caroline
at 2016-06-23T18:55
at 2016-06-23T18:55
By Hazel
at 2016-06-26T18:17
at 2016-06-26T18:17
By Zora
at 2016-06-29T06:37
at 2016-06-29T06:37
By Skylar Davis
at 2016-07-01T20:29
at 2016-07-01T20:29
By Susan
at 2016-07-04T23:28
at 2016-07-04T23:28
By Lily
at 2016-07-07T00:25
at 2016-07-07T00:25
By Ursula
at 2016-07-09T15:44
at 2016-07-09T15:44
By Bennie
at 2016-07-09T23:30
at 2016-07-09T23:30
By Quintina
at 2016-07-12T19:39
at 2016-07-12T19:39
By Necoo
at 2016-07-15T05:34
at 2016-07-15T05:34
By Caitlin
at 2016-07-17T07:13
at 2016-07-17T07:13
By Jake
at 2016-07-19T17:16
at 2016-07-19T17:16
By Emma
at 2016-07-20T19:01
at 2016-07-20T19:01
By Lauren
at 2016-07-23T02:30
at 2016-07-23T02:30
By Freda
at 2016-07-27T15:21
at 2016-07-27T15:21
By Lauren
at 2016-07-30T10:03
at 2016-07-30T10:03
By Tom
at 2016-08-02T16:50
at 2016-08-02T16:50
By Iris
at 2016-08-07T04:36
at 2016-08-07T04:36
By Heather
at 2016-08-09T06:56
at 2016-08-09T06:56
By Caitlin
at 2016-08-10T07:35
at 2016-08-10T07:35
By Joseph
at 2016-08-10T15:21
at 2016-08-10T15:21
By Frederica
at 2016-08-12T14:42
at 2016-08-12T14:42
By Agatha
at 2016-08-14T01:27
at 2016-08-14T01:27
By Odelette
at 2016-08-18T03:55
at 2016-08-18T03:55
By Sarah
at 2016-08-22T09:18
at 2016-08-22T09:18
By Elizabeth
at 2016-08-26T13:17
at 2016-08-26T13:17
By Daph Bay
at 2016-08-29T10:35
at 2016-08-29T10:35
By Zora
at 2016-09-03T08:10
at 2016-09-03T08:10
By Lauren
at 2016-09-06T04:00
at 2016-09-06T04:00
By Eden
at 2016-09-06T20:51
at 2016-09-06T20:51
By Queena
at 2016-09-09T17:30
at 2016-09-09T17:30
By Bethany
at 2016-09-11T17:39
at 2016-09-11T17:39
By Kumar
at 2016-09-12T21:26
at 2016-09-12T21:26
By Thomas
at 2016-09-17T06:50
at 2016-09-17T06:50
By Sarah
at 2016-09-19T12:26
at 2016-09-19T12:26
By Rachel
at 2016-09-21T12:34
at 2016-09-21T12:34
By Bethany
at 2016-09-24T04:31
at 2016-09-24T04:31
By Kumar
at 2016-09-29T01:08
at 2016-09-29T01:08
By Puput
at 2016-10-04T01:00
at 2016-10-04T01:00
By Agatha
at 2016-10-04T20:24
at 2016-10-04T20:24
By Edward Lewis
at 2016-10-05T12:57
at 2016-10-05T12:57
By Emily
at 2016-10-06T17:57
at 2016-10-06T17:57
By James
at 2016-10-09T20:01
at 2016-10-09T20:01
By Zora
at 2016-10-11T19:01
at 2016-10-11T19:01
By Lauren
at 2016-10-16T02:56
at 2016-10-16T02:56
By Bethany
at 2016-10-18T21:54
at 2016-10-18T21:54
By Elma
at 2016-10-23T11:06
at 2016-10-23T11:06
By Sandy
at 2016-10-27T10:30
at 2016-10-27T10:30
By Poppy
at 2016-10-27T14:02
at 2016-10-27T14:02
By Brianna
at 2016-10-28T06:05
at 2016-10-28T06:05
By Ula
at 2016-10-29T00:29
at 2016-10-29T00:29
By Callum
at 2016-11-02T02:54
at 2016-11-02T02:54
By Robert
at 2016-11-04T14:50
at 2016-11-04T14:50
By Brianna
at 2016-11-07T13:57
at 2016-11-07T13:57
By Rae
at 2016-11-12T07:30
at 2016-11-12T07:30
By Regina
at 2016-11-16T13:11
at 2016-11-16T13:11
By Edith
at 2016-11-19T12:12
at 2016-11-19T12:12
By Oliver
at 2016-11-20T11:01
at 2016-11-20T11:01
By Xanthe
at 2016-11-24T17:50
at 2016-11-24T17:50
By Kristin
at 2016-11-28T01:48
at 2016-11-28T01:48
By Freda
at 2016-12-02T20:39
at 2016-12-02T20:39
By Cara
at 2016-12-04T02:00
at 2016-12-04T02:00
By Caroline
at 2016-12-04T13:25
at 2016-12-04T13:25
By Isla
at 2016-12-07T00:53
at 2016-12-07T00:53
Related Posts
BIG TIIDA菜單請益
By Carol
at 2016-05-11T17:39
at 2016-05-11T17:39
請推薦85萬以下的車
By Kelly
at 2016-05-11T10:02
at 2016-05-11T10:02
請推薦85萬以下的車
By Isabella
at 2016-05-11T01:13
at 2016-05-11T01:13
volvo跟歪L哪個cp值高
By James
at 2016-05-10T22:21
at 2016-05-10T22:21
好車該推薦雙B還是L ??
By Kyle
at 2016-05-10T21:08
at 2016-05-10T21:08