車禍處理流程分享及請求價值減損 - 汽車
By Harry
at 2022-05-29T20:41
at 2022-05-29T20:41
Table of Contents
上一篇養車成本分享完,如文章#1Y3bPefA
這篇來分享一下車禍處理流程,會搭配時間點來看這漫長的過程
110/12/16 車禍發生日
附上我的行車紀錄器參考https://youtu.be/fD7vPDuQlM0
我時速約30~40直接撞上,我的視野被橋下大柱擋到
下意識撞擊瞬間想往右閃,幾乎完全沒煞車從駕駛A柱撞上
https://imgur.com/a/ZfS94b9
全車氣囊炸裂,運氣好只有手部輕微被氣囊炸開的高溫燙傷
撞完回神後還可以正常的走下車
等交通隊來之後做完現場紀錄,我們就直接在現場做筆錄
寫筆錄時不確定的事情就不要說,別憑印象去回答案發的過程
可以說撞擊當下恍神斷線想不起來,就直接讓行車紀綠器解答就好
因為筆錄的當下警察問我時速多少,我憑印象沒經太多思考回說大概40km
還好剛好這條路速限就是40,若真的超速可能對之後的肇責比例會有影響
且往後所有的鑑定分析,都會參考警察的筆錄當依據
筆錄完大家各自處理車子,我請拖吊車直接拖回原廠
記得提早叫拖吊車來,平面道路打電話去大概要半小時後才會出現
接著當天即可從警察那邊拿到「道路交通事故當事人登記聯單」
車損外觀https://imgur.com/a/syfrEl8
維修工單https://imgur.com/a/d03FRag
最後考慮因為撞擊駕駛A柱導致天窗框變形隆起,有傷害到結構
加上工單價格大於車體險價值,所以直接與保險報全損出險
領到車體險保額604,000
接著有委託中華民國汽車鑑價協會委請鑑價
鑑價結果https://imgur.com/a/VzUXwx1
110年12月市場交易價格670,000
110/12/24 申請交通事故現場圖 (事故7日後可申請)
111/01/17 申請道路交通事故初步分析研判表 (事故30日後可申請)
111/02/04 初步分析研判表結果出來,我方尚未發現肇事因素
https://imgur.com/a/gV3jWUs
111/02/05 申請區公所調解
111/02/23 第一次區公所調解,我提出需求為
1. 精神賠償20,000
2. 車輛價值減損69,000 (670,000 - 604,000 + 3000鑑價費)
3. 醫療費1,600
最後調解失敗,對方主張不服初判表結果,表示會後去申請車鑑會議
111/04/20 開車輛行車事故鑑定會,我沒參加,因為我沒有其他想補充的證據
111/04/28 收到車鑑會結果,我方依然未發現肇事因素
https://imgur.com/a/UmTAdos
111/05/10 第二次區公所調解,對方一開始表明沒錢賠,保險表示對方財損只有200,000
要賠我方保險加上我額外提出的價損根本不夠賠
我退讓只需要賠償我70,000
兩方保險表示願意各自回去替對方爭取一點減少賠償的空間
最後調解失敗,保險表示如果有爭取到空間
下次調解對方會直接帶現金來和解,不然我表明不願意再參加調解
111/05/17 第三次區公所調解,對方帶現金70,000成功和解
我放棄刑+民事的法律追訴權
最後處理完回頭來看,文字輕描淡寫但其實過程秏時又費心力
調解過程也很煩要聽對方盧小一堆有的沒的= =
不想這麼麻煩其實可以拿完車體險保額就結束,其他事情都不追究
至於為什麼可以要求對方賠償價損
有興趣可以去查相關價值減損的判決書,判例其實蠻多的
關鍵字可能就打個「車禍」、「價值減損」就會看到了
我的案例是全損求償比較單純一點
如果是把車修好要再請求價損好像會比較複雜
因為還要看幾年車然後計入折舊的部分
以上僅供參考,因為不同的肇責或車損,最後的結果都可能會不相同
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