車禍調解對方獅子大開口索賠50萬 - 開車

By Iris
at 2016-08-05T12:17
at 2016-08-05T12:17
Table of Contents
前陣子開車一出門不到100公尺轉彎就跟一個阿姨擦撞 T_T
車子除了強制險也保了丙式以及第三人責任險(車損+體傷)
我開車阿姨騎機車
我右轉她直行
當時車速二十幾,也有打方向燈
碰撞當下其實沒什麼感覺
是轉過去約5公尺才聽到後方機車倒地的聲音
阿姨車速也不快 (她說當時快下雨了她一邊騎車一邊跟上帝祈禱,然後就撞到了)
有報警處理(不過現場有移動)
撞擊點在車子保險桿右後方 (如圖,黑色的地方凹下去)
http://i.imgur.com/pkAEyqc.jpg
阿姨65歲肩膀骨頭有移位,送急診後醫生說要開刀
住院三天有請看護
事後我有買高級水蜜桃跟櫻桃去她家探望
阿姨一直說因為這車禍她原本要植牙的錢都拿去付醫療費了
要我先借她
並強調她是虔誠的基督徒不會在我身上挖很多(囧)
我很委婉地說該賠償的我一定會賠但私下的借貸會有糾紛
而且車禍沒有傷到牙齒
牙齒是她多年前去九寨溝旅遊遊覽車撞山壁導致的 Orz...
事後就是保險公司幫我到調解委員會跟她談和解
理賠專員提醒我該關心的動作還是要做
所以我約一週送ㄧ次簡訊關心阿姨狀況
目前調解了第二次
原本以為這樣算她從後方追撞,我的責任應該會較小
沒想到研判表出來的責任是我7她3,因為她直行我右轉,她的路權大 (哭哭~)
這次阿姨終於把文件備齊 (之前一直不給醫療診斷書因為她覺得給了就算和解 =_=)
開口求償50萬
因為她說這樣接下來六個月她都無法工作
她是做清潔工一個月有四萬塊薪水 (哪種清潔工介紹我去做一下 XD)
她很在意薪資賠償怎麼是用基本工資去算?
保險員說他會回去跟公司談,也可能多要到幾個月的薪資賠償
但薪資證明一定要有憑有據
不過因為阿姨已屆法定退休年齡
照理說保險公司會依照親屬扶養等等的去算而不是用薪資 (這部分細節不太清楚)
不過阿姨的意思是最少最少她一定要拿到40萬
保險公司沒賠到的剩下我就該補足
談完後保險員跟我說這樣的case目前total賠18萬
回去跟公司爭取最多最多到接近30萬,已經算非常多
若她還是不滿意,就看我要怎麼處理
請教各位:
1. 若到時候還是沒和解,該如何做比較好? 自己加碼幾萬元了事? 還是走法律途徑?
2. 對於相關法律程序沒有經驗,容易遇到甚麼狀況呢? 有可能要賠更多嗎?
3. 50萬是否太誇張?和解這種事若能安定對方心情是最完美,但也不能無線上綱吧?
況且我也沒收入.... >_<
心得: 1. 還好有保險。理賠專員也很認真負責。
2. 雖然只是速度慢的小擦撞,但騎機車的定點摔還是可以骨折,騎車好危險 T_T
謝謝大家耐心看完
先用google map的圖做了一個簡易的現場圖
(背景有做一些處理因為不想被認出在哪裡,但有鄉民認出來也無仿,拜託低調 XD)
我想因為是沒有切換到最外的機車道所以責任才有7吧
可是依照撞擊的點,我都已經轉過去惹......
http://imgur.com/a/0vUKU
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