貸款未清,全損車輛報廢問題 - 汽車
By Sierra Rose
at 2017-03-22T15:56
at 2017-03-22T15:56
Table of Contents
上次有上版來請教各位前輩
問題解決一半又有新的問題了,趕忙上來再次請教
目前車子已經打算走報廢了
但因為車子部分還有貸款快要40萬
這筆錢需要由全損理賠支付
但目前保險公司提出我們需要清償後才可以車體報廢,拿到報廢聯單才能進行下面的流程
變成我們要先支付約40萬的貸款費用,報廢後再由保險公司理賠全損費用
因為長輩認為,不繳車貸,銀行就會去找車,發現全損,銀行自然會去找保險公司
且認為我們一旦清償,保險公司就會用各種理由拖理賠速度
目前保險業務告知清償後報銷+內部流程大約15-30天
若未清償則會要先跑一堆文件流程才能報廢,大約費時2-4個月
我們身上有一筆錢可以先處理貸款部分,想聽聽各位前輩的意見是否先辦理清償呢,還是
跟長輩說的一樣讓保險跟銀行去拖呢?
目前保險方提供的意見確實都是倒向修車行收購,直接提撥現金給我們,我們清償完辦過
戶,但我們還是希望能直接報廢比較沒有爭議。
還是前輩認為我們不要再堅持了直接賣車商呢?
--
問題解決一半又有新的問題了,趕忙上來再次請教
目前車子已經打算走報廢了
但因為車子部分還有貸款快要40萬
這筆錢需要由全損理賠支付
但目前保險公司提出我們需要清償後才可以車體報廢,拿到報廢聯單才能進行下面的流程
變成我們要先支付約40萬的貸款費用,報廢後再由保險公司理賠全損費用
因為長輩認為,不繳車貸,銀行就會去找車,發現全損,銀行自然會去找保險公司
且認為我們一旦清償,保險公司就會用各種理由拖理賠速度
目前保險業務告知清償後報銷+內部流程大約15-30天
若未清償則會要先跑一堆文件流程才能報廢,大約費時2-4個月
我們身上有一筆錢可以先處理貸款部分,想聽聽各位前輩的意見是否先辦理清償呢,還是
跟長輩說的一樣讓保險跟銀行去拖呢?
目前保險方提供的意見確實都是倒向修車行收購,直接提撥現金給我們,我們清償完辦過
戶,但我們還是希望能直接報廢比較沒有爭議。
還是前輩認為我們不要再堅持了直接賣車商呢?
--
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