被追撞求償的心態 - 汽車
By Zenobia
at 2020-12-11T23:25
at 2020-12-11T23:25
Table of Contents
分享一下今天才剛處理完的車禍事故後續求償
首先感謝版友d8613518之前的事故處理文章分享
給予事故後處理的方向,同時分享給版友參考
詳細內容請參考D大的文章
內人於今年8月底停等紅綠燈時,遭後方無減速直接撞上
我方為靜止狀態,對方時速50以上
車禍後第一時間報警處理,聯絡保險拖回原廠處理
內人與小孩皆有輕微的擦傷與頸部不適,當天至醫院掛急診
三天後再次回診,確認無礙後,請醫院開立診斷證明書
08/26 事故照片 https://imgur.com/S7V0Ei9
09/05 檢查損傷 https://imgur.com/nerFPxo
09/19 切割處理 https://imgur.com/CyeABEN
疫情關係車子在原廠待料修了兩個月才完成
車禍發生後,肇事者完全無任何慰問關心,直接交由保險處理
由於車子是今年四月才購買,加上修了兩個月
我向對方保險表示必須等到修復完畢後,確認維修金額
及車輛減損鑑價才能進行後續求償協商
車禍七天後向警察局申請事故初步分析研判表
09/04 分析研判表 https://imgur.com/V4CZlUy
我方無肇事因素,對方全責
聯絡我方富邦保險先出險維修
10月底修復完成,總共修了19萬
到台中市汽車商業同業公會進行車輛鑑定(費用三千元)
10/30 車輛減損鑑定 https://imgur.com/qqtE0UD
告知對方保險人員求償項目
1.車損+鑑價 8萬3 2.代步費1萬6
3.後車窗隔熱紙1800 4.兩人急診費用2000
對方保險表示肇事者只有保第三責任20萬
維修費用幾乎已用完保額,無法理賠上述要求項目
於是至原承辦員警向對方提出過失傷害告訴
富邦理賠人員將案件轉至法務部門
11/24至台中法院偵查庭進行詢問
12/02對方保險表示對方願意和解
協調後雙方同意進行和解
旺旺理賠六萬+肇事者兩萬一共八萬
旺旺向富邦請求零件折舊,超過旺旺20萬額度部分
由富邦向肇事者代位求償
12/11 簽訂和解書 https://imgur.com/LDF9TF1
上圖為其中一張和解書,另一張為小孩的就沒附上了
等到收到旺旺的六萬之後,再到法院撤回告訴
以下為此次車禍處理心得
1.相關費用單據務必收集完整
2.富邦出險不囉嗦,維修單幾乎沒砍單,不過從沒主動聯繫
3.版上不推的旺旺,負責的理賠人員相當熱情,極力促成和解
4.無肇事責任,不影響隔年保費
5.車體險很重要,務必要保
6.同業公會及雙方保險員皆表示車價折損部分,如無法和解,
只能看判決法官的自由心證
7.人爭一口氣,自己的權益要努力爭取,雖然過程很繁瑣
補充一下版友們的疑問
追撞我們的車輛是三菱的得利卡
https://imgur.com/GM2lEId
對方前保桿凹陷,引擎蓋突起
有些版友提到的慰問是否有用
相信這個見仁見智,每個人的想法不一樣
最願意接受這個理賠方式,如同版友提到的時間成本
提告須配合當初承辦員警的時間,當初我是晚上十點才到警局作筆錄
因為員警表示該時段發生事故相對較少,如有事故也只能在局裡等候
車價鑑定只在周一至周五,只能請假到同業公會鑑定
法院偵查庭約十天前掛號通知開庭時間,也必須緊急跟公司請假
與內人討論和解底線,最少也要賠償車價減損的八萬元
最後雙方和解理賠的處理方式
對方保險(旺旺):14萬賠富邦保險,6萬賠我維修以外的損失
我方保險(富邦):汽車維修19萬3,零件折舊後16萬
零件折舊價差由富邦吸收
維修費用不足部分,向肇事者求償
我方:車子修復完畢。旺旺理賠6萬,對方理賠2萬,共8萬
以上,感謝版友的回覆。
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