請問車禍流程 - 價格

By Enid
at 2022-10-30T20:02
at 2022-10-30T20:02
Table of Contents
我在9/30騎機車時一時分心,追撞等停紅燈的前方車輛,
該車輛因準備右轉所以當下是在最外側車道等紅燈,
前方車輛後保桿凹陷,我方機車都無受損,人有摔車的挫傷,
但自知肇事責任都在我身上,所以受傷部分也無打算求償。
以下是當日對方車輛受損狀況
https://imgur.com/a/O66tkdp
https://imgur.com/a/NAq2pl0
當下也有報警做完筆錄,對方車主回原廠出險
我比較慘的是我機車剛取消第三人責任險就出事
(人真的不可以鐵齒,去省小錢>.<)
在等對方保險公司聯絡期間也有上網爬文,
知道應該須理賠的金額區間跟處理流程。
在10/4號收到對方保險傳來的簡訊,
https://imgur.com/a/iqac7x2
(訊息下半有人名我截掉了)
我馬上跟保險員聯絡,保險員說還沒有收到原廠的報價單,
有收到就會跟我通知,車子已經進廠估價,因為看文章
都會有第一次的報價通知跟第二次實際維修的價格,
過一個禮拜還是沒消息,我主動去電保險公司問金額,
保險員依舊回復我還沒有收到報價單,但車子已經在維修了!!
我有提出我的疑慮沒有收到初估報價,維修金額會不會被灌水,
該保險員說不會,保險公司不會照單全收,
但我還是很抖阿,之後每個禮拜都有主動去問,
問到的是都還沒收到金額單據(富邦電話有夠難打)收到會主動通知我,
就在今天10/30下午收到電話說維修金額13萬多.......
材料8萬多工資1萬多烤漆4萬多,詳細維修工單跟照片會寄信給我,
請問各位大大可以幫我評估一下維修金額會不會太高,
雖然已經有心理準備,但還是被這金額震驚到..
等對方保險公司申請完初判表來跟我談賠償時,
這金額是不是就沒有談判的空間,
而且我都沒有收到初估報價單,只能直接接受這最後的金額嗎?
我自知我是全責,我也不好意思去打擾被撞車主,
只是這流程怎麼跟爬文的都不一樣...
我疑惑的是可以這樣直接給維修金額嗎?
人真的不能鐵齒,一次賠償金額換成保險金額都可以保到機車報廢了..
謝謝大家
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