s****k
发帖数: 1384 | 1 车子上周被撞了，警察判了对方的责任。司机是learning permit，开他自己的车，我坐
在副驾上，我俩各自都是全保。我想知道，我可以去理赔吗？去医院检查是什么手续？
另外，当时警察叫我们下个月去法庭，好像是要确认对方赔偿我们了。请问我们是不是
必须出庭？
谢谢！ |
i****a
发帖数: 36252 | 2 car owner's insurance is primary
driver's insurance, if available, is secondary
On filing insurance claim, you can either:
I. file a claim with the other driver's insurance company directly. you
don't pay anything
or
II. file a claim with Your Own insurance company if you have full
coverage, then you have to pay deductible first because you are
technically filing a claim against your own insurance. then if it's
determined it's not your fault, your ins company will get all the money
back and refund your deductible.
on fixing the car, you have 2 options:
A. get cash - if you do NOT want to fix the car or want to fix it cheap
and pocket the differece, get 3 free estimates from 3 different body
shops, fax them to the insurance company and ask for as much as possible
or
B. get the car fixed - send your car to good bodyshop, ask them to bill
the insurance directly. Usually insurance company recommended bodyshop
are good; avoid dealer because most dealers do not do body work, they
tow your car to a body shop nearby and charge you $2000 extra.
Call other party's insurance. demand car rental reimbursement, starting
from the day of the accident until the proprety damage claim is closed.
get a lawyer if you want to claim bodily injury. you can spend dozens of
hours on research, paper work and fighting with insurance company. Or
you can get a lawyer and do nothing other than going to the
doctor/therapy and usually get more money into your pocket.
我坐
【在 s****k 的大作中提到】
: 车子上周被撞了，警察判了对方的责任。司机是learning permit，开他自己的车，我坐
: 在副驾上，我俩各自都是全保。我想知道，我可以去理赔吗？去医院检查是什么手续？
: 另外，当时警察叫我们下个月去法庭，好像是要确认对方赔偿我们了。请问我们是不是
: 必须出庭？
: 谢谢！
|
s****k
发帖数: 1384 | 3 As a passenger, I guess what I can claim for are just body injuries. And wha
t I may do is just to have a body check. In this way, do I still need to get
a lawer? Thank you!
【在 i****a 的大作中提到】
: car owner's insurance is primary
: driver's insurance, if available, is secondary
: On filing insurance claim, you can either:
: I. file a claim with the other driver's insurance company directly. you
: don't pay anything
: or
: II. file a claim with Your Own insurance company if you have full
: coverage, then you have to pay deductible first because you are
: technically filing a claim against your own insurance. then if it's
: determined it's not your fault, your ins company will get all the money
|
h*h
发帖数: 27852 | |
a******s
发帖数: 4052 | 5 没大问题就不用找律师了。体检肯定要做的，再找个理疗师疗疗。误工费也要算上。
wha
get
【在 s****k 的大作中提到】
: As a passenger, I guess what I can claim for are just body injuries. And wha
: t I may do is just to have a body check. In this way, do I still need to get
: a lawer? Thank you!
|
h*h
发帖数: 27852 | 6 为什么不？自己不花钱。律师会考虑到各种可能性，比如轻微脑震荡是否会导致不育等
等，基本上肯定可以帮你敲一笔
【在 a******s 的大作中提到】
: 没大问题就不用找律师了。体检肯定要做的，再找个理疗师疗疗。误工费也要算上。
:
: wha
: get
|
s****k
发帖数: 1384 | 7 谢谢，体检一般是在哪里做，医院门诊还是理疗师？去哪里保险公司才会cover？我需要
先通知自己的保险公司吗？我查了一下自己的保险有bodily injury 25000/50000，但我
这边司机没有这方面保险。然后对方开的是rental car，还不清楚是对方保险公司负责
还是rental car的保险负责。这样的话，我应该先自己垫着做检查，还是可以找自己保
险公司垫着去检查，还是要等保险公司搞清楚呢？
昨天刚找一个理疗师问了一下，他有体检，然后还有一大堆的康复疗程，听着挺吓人的
。
【在 a******s 的大作中提到】
: 没大问题就不用找律师了。体检肯定要做的，再找个理疗师疗疗。误工费也要算上。
:
: wha
: get
|
a******s
发帖数: 4052 | 8 这个没啥油水的case没有律师愿意做。
相反，凡是断了胳膊腿的，律师是一群群的围上。
【在 h*h 的大作中提到】
: 为什么不？自己不花钱。律师会考虑到各种可能性，比如轻微脑震荡是否会导致不育等
: 等，基本上肯定可以帮你敲一笔
|
h*h
发帖数: 27852 | 9 不妨一试啊
经济不好，蚊子也是肉
【在 a******s 的大作中提到】
: 这个没啥油水的case没有律师愿意做。
: 相反，凡是断了胳膊腿的，律师是一群群的围上。
|
i****a
发帖数: 36252 | 10 if you think the treatment is scary, then you definite need a lawyer.
insurance company will eat you alive wihtout one
需要
但我
【在 s****k 的大作中提到】
: 谢谢，体检一般是在哪里做，医院门诊还是理疗师？去哪里保险公司才会cover？我需要
: 先通知自己的保险公司吗？我查了一下自己的保险有bodily injury 25000/50000，但我
: 这边司机没有这方面保险。然后对方开的是rental car，还不清楚是对方保险公司负责
: 还是rental car的保险负责。这样的话，我应该先自己垫着做检查，还是可以找自己保
: 险公司垫着去检查，还是要等保险公司搞清楚呢？
: 昨天刚找一个理疗师问了一下，他有体检，然后还有一大堆的康复疗程，听着挺吓人的
: 。
|
|
|
a******s
发帖数: 4052 | 11 先做着，不要付钱，就说没有。要账的事情以后再说。体检还是要到医院，更详细。理
疗的时候趁机把自己使用多年的有隐患的地方恢复下。比如颈椎，腰椎。
需要
但我
【在 s****k 的大作中提到】
: 谢谢，体检一般是在哪里做，医院门诊还是理疗师？去哪里保险公司才会cover？我需要
: 先通知自己的保险公司吗？我查了一下自己的保险有bodily injury 25000/50000，但我
: 这边司机没有这方面保险。然后对方开的是rental car，还不清楚是对方保险公司负责
: 还是rental car的保险负责。这样的话，我应该先自己垫着做检查，还是可以找自己保
: 险公司垫着去检查，还是要等保险公司搞清楚呢？
: 昨天刚找一个理疗师问了一下，他有体检，然后还有一大堆的康复疗程，听着挺吓人的
: 。
|
a******s
发帖数: 4052 | 12 关键是律师不愿意。
【在 h*h 的大作中提到】
: 不妨一试啊
: 经济不好，蚊子也是肉
|
s****k
发帖数: 1384 | 13 not really scary but it will take a long time and I may need to visit there
many times... considering the time and charges, it can be quite scary
【在 i****a 的大作中提到】
: if you think the treatment is scary, then you definite need a lawyer.
: insurance company will eat you alive wihtout one
:
: 需要
: 但我
|
s****k
发帖数: 1384 | 14 怎么不付钱，最后bill到哪里去？像这样过了一段时间再去医院检查有说服力吗？
【在 a******s 的大作中提到】
: 先做着，不要付钱，就说没有。要账的事情以后再说。体检还是要到医院，更详细。理
: 疗的时候趁机把自己使用多年的有隐患的地方恢复下。比如颈椎，腰椎。
:
: 需要
: 但我
|
i****a
发帖数: 36252 | 15 get a lawyer if you want to claim bodily injury. you can spend dozens of
hours on research, paper work and fighting with insurance company. Or
you can get a lawyer and do nothing other than going to the
doctor/therapy and usually get more money into your pocket.
there
【在 s****k 的大作中提到】
: not really scary but it will take a long time and I may need to visit there
: many times... considering the time and charges, it can be quite scary
|
s****k
发帖数: 1384 | 16 thx :D I would consider it
【在 i****a 的大作中提到】
: get a lawyer if you want to claim bodily injury. you can spend dozens of
: hours on research, paper work and fighting with insurance company. Or
: you can get a lawyer and do nothing other than going to the
: doctor/therapy and usually get more money into your pocket.
:
: there
|
