F*******A
发帖数: 96 | 1 警察已出具报告，对方全责且也承认。请教如何进行受伤和损失索赔？是我本人联系对
方保险公司还是直接找律师出面？
谢了 | b*******y
发帖数: 1458 | 2 你先报告自己保险公司。如果你是全保，保险公司去处理，如果半保，保险公司会告诉
你自己给对方保险公司打电话claim。 | b*******y
发帖数: 1458 | 3 没必要直接找律师，可以自己先去claim，对方保险公司处理如果哪方面不合理你也可
以跟他们说，通常这种情况保险公司还是会比较公正处理的。如果有医疗账单什么解决
不了的问题可以考虑找律师。
好运！ | F*******A
发帖数: 96 | | i****a
发帖数: 36252 | 5 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.
【在 F*******A 的大作中提到】
: 警察已出具报告，对方全责且也承认。请教如何进行受伤和损失索赔？是我本人联系对
: 方保险公司还是直接找律师出面？
: 谢了
| F*******A
发帖数: 96 | 6 多谢楼上二位的热心回复，车子已经在保险公司定点维修厂修好。
正在claim body injury 的事情。车祸已经过去9天了，一直也没有想到办这事儿，工
作比较忙。另外就是颈部和右臂有些疼痛，当时也没有当回事，不过现在也没见好转，
才想起claim.也不知道是否还有效。
第一次车祸，没什么经验，另外也是得饶人处且饶人的心态驱使的，呵呵。 | t****a
发帖数: 3544 | 7 先找你的保险公司
【在 F*******A 的大作中提到】
: 警察已出具报告，对方全责且也承认。请教如何进行受伤和损失索赔？是我本人联系对
: 方保险公司还是直接找律师出面？
: 谢了
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