自家RX300撞測及車價減損~ - 汽車
By Steve
at 2022-01-20T11:23
at 2022-01-20T11:23
Table of Contents
上週在高速公路北上湖口路段被後車追撞~~
我車是Lexus RX300 F-sport(2018年3月車), 車尾慘不忍睹...
我車
https://i.imgur.com/19ui2Mc.jpg
https://i.imgur.com/7gpeYIz.jpg
https://i.imgur.com/0ReelnY.jpg
對方車(某公司車)
https://i.imgur.com/onjlQTh.jpg
(沒仔細看應該是Zinger吧?)
前方車流速度放緩, 我跟著減速而已, 時速由100kmh降到約35-50kmh
抬頭看後照鏡發現後方車完全沒減速, 就直接撞上來了, 對方全責(應該吧)
目前原廠告知初步估計是更換後尾門、保險桿、底部護板
之後進維修廠拆修後會再追加後續發現需要更換/維修的項目
我自己有發現兩個尾燈都有小小裂痕, 到時候我也會要求換新或回復原狀
因此維修費應該上看40萬
我有車體險和第三責任險(無代步), 對方應該也有第三責任險有辦理出險
根據版上ngmi兄及d86兄的經驗, 理想上我應該用我的車體險先修車, 然後由對方保險賠
付車價減損和代步費
但這可能會造成對方保險以折舊為由, 不願全額支付我方對車輛維修費的代位求償
車價折損和代步費用固然是我方可提出求償的項目之一
但我國法律對於車輛折舊的不合理百分率(.369/年)實在令人感到困惑
我車介於4年左右這個尷尬車齡, 折舊恐不利於我方保險公司的代位求償(雖然這是保險公
司的事情)
但雙方保險若無法取得共識, 勢必延宕和解的時間
我要取回中間的墊付款項(拖吊費, 代步費, 必要開銷等等)的時間應該也會受到影響
我當然是希望對方保險公司很合作可以達到我的要求, 但我覺得不會這麼順利
如果對方保險公司主張以零件折舊打平車價減損和代步費
那麼我對於「無車可用期間的必要開銷」的使用態度可能就會需要進行調整了~~
例如: 開始天天租車代步
主要的花費如下:
車輛維修: 約40萬, 我方車體險支付並向對方代位求償
拖吊費: 9000, 我已經先墊付, 我方保險取得相關單據向對方求償
代步費: 我目前是向我哥借閒置的2003年Camry上下班, 尚無租車打算, 但過年會向Lexus
租用5天代步車, 預計花費約10000元
車價減損鑑定費: 已聯絡中華民國汽車鑑價協會, 鑑價費6000元(殘值超過百萬所以要
6000)
車價減損: 待鑑定(我自估約20萬)
其餘的費用: 若干(租借兒童安全座椅, Goshare,... ,火車捷運等交通費)
代步險好像應該保一下... 有點後悔沒想到這點 QQ
補充說明:
當初交車不到半年就被CX5追撞了一個約1cm左右的小痕跡, 因為當時剛出生的小女在車上
正要前往月子中心, 看對方態度很好, 我也就摸摸鼻子放了他
這次車禍前幾天自己洗車時還摸摸那個小傷, 心想希望有個小碰撞讓我修一下...
結果就發生這種倒楣事!!!
可見人不能有非分之想... 必須引以為戒~~
--
我車是Lexus RX300 F-sport(2018年3月車), 車尾慘不忍睹...
我車
https://i.imgur.com/19ui2Mc.jpg
https://i.imgur.com/7gpeYIz.jpg
https://i.imgur.com/0ReelnY.jpg
對方車(某公司車)
https://i.imgur.com/onjlQTh.jpg
(沒仔細看應該是Zinger吧?)
前方車流速度放緩, 我跟著減速而已, 時速由100kmh降到約35-50kmh
抬頭看後照鏡發現後方車完全沒減速, 就直接撞上來了, 對方全責(應該吧)
目前原廠告知初步估計是更換後尾門、保險桿、底部護板
之後進維修廠拆修後會再追加後續發現需要更換/維修的項目
我自己有發現兩個尾燈都有小小裂痕, 到時候我也會要求換新或回復原狀
因此維修費應該上看40萬
我有車體險和第三責任險(無代步), 對方應該也有第三責任險有辦理出險
根據版上ngmi兄及d86兄的經驗, 理想上我應該用我的車體險先修車, 然後由對方保險賠
付車價減損和代步費
但這可能會造成對方保險以折舊為由, 不願全額支付我方對車輛維修費的代位求償
車價折損和代步費用固然是我方可提出求償的項目之一
但我國法律對於車輛折舊的不合理百分率(.369/年)實在令人感到困惑
我車介於4年左右這個尷尬車齡, 折舊恐不利於我方保險公司的代位求償(雖然這是保險公
司的事情)
但雙方保險若無法取得共識, 勢必延宕和解的時間
我要取回中間的墊付款項(拖吊費, 代步費, 必要開銷等等)的時間應該也會受到影響
我當然是希望對方保險公司很合作可以達到我的要求, 但我覺得不會這麼順利
如果對方保險公司主張以零件折舊打平車價減損和代步費
那麼我對於「無車可用期間的必要開銷」的使用態度可能就會需要進行調整了~~
例如: 開始天天租車代步
主要的花費如下:
車輛維修: 約40萬, 我方車體險支付並向對方代位求償
拖吊費: 9000, 我已經先墊付, 我方保險取得相關單據向對方求償
代步費: 我目前是向我哥借閒置的2003年Camry上下班, 尚無租車打算, 但過年會向Lexus
租用5天代步車, 預計花費約10000元
車價減損鑑定費: 已聯絡中華民國汽車鑑價協會, 鑑價費6000元(殘值超過百萬所以要
6000)
車價減損: 待鑑定(我自估約20萬)
其餘的費用: 若干(租借兒童安全座椅, Goshare,... ,火車捷運等交通費)
代步險好像應該保一下... 有點後悔沒想到這點 QQ
補充說明:
當初交車不到半年就被CX5追撞了一個約1cm左右的小痕跡, 因為當時剛出生的小女在車上
正要前往月子中心, 看對方態度很好, 我也就摸摸鼻子放了他
這次車禍前幾天自己洗車時還摸摸那個小傷, 心想希望有個小碰撞讓我修一下...
結果就發生這種倒楣事!!!
可見人不能有非分之想... 必須引以為戒~~
--
Tags:
汽車
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