[問題] 老車停路邊被撞,對方保險只賠殘值
各位好,小弟最近遇上一件衰事
我的車子是車齡13年的仙草, 雖然車齡大但是保養得宜,所以一直都很好開也沒什麼問題
。
直到上周晚上停在路邊白線內,被一輛車轉彎失速連撞了四台車,而我的車首當其衝最為
嚴重,隔了兩天警察才聯絡到我才發現。
車子的慘況如下,車門變形無法開啟,另一邊車門也因為推擠而受傷
http://i.imgur.com/Z4XSQvS.jpg
![](https://i.imgur.com/Z4XSQvS.jpg)
對方因為有保全險而允諾保險公司會全額賠償,而問題點來了
進入原廠估價後修復費用粗估要14w,而保險公司自然拿出那套理論,維修費用超過殘值
而只願賠償車子殘值約6w
重點是我去二手車網查,同年分同型號的車開價從9w到15w都有,6w元我根本買不到一台
車,更何況還要承擔買二手車後續會有的風險。
我了解法律條文規定每年折舊36.9%的計算方式(私心認為極不合理),知道上法庭也不一
定對自身有利,也知道工資無法折舊而零件可以,但是車體毀損嚴重就算堅持都以修復的
方式維修而不更換零件,車廠似乎也無法做到,除非真的找到一個同年份的零件來更換,
但這似乎更不可行。
目前想到的方式是
1. 請車廠零件的部分能修就修,盡量壓低需要換新品的部分, 以此份估價單來談
2. 主張要求將車子恢復原狀不要賠償(需原廠保證安全無虞,恢復事故前車況)
3. 提出過去所有維修保養的紀錄,證明自身車況良好
4. 認賠殺出
沒有違規停路邊無緣無故被撞就夠衰了,現在沒車可用還只能拿回一點點錢,真的很不甘
心,對方還不用出面全交給保險公司處理,而我卻要日夜煩惱,唉
有版友有類似經驗最後成功捍衛自己的愛車的嗎?目前亟需各方意見
謝謝大家耐心的閱讀
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了解,只是想上來問一下還有什麼機會或方式可以坂回
※ 編輯: shukima (39.9.222.231), 05/11/2016 22:07:21
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沒人受傷,老車也沒保車體險,唯一的第三人任意險也因為本身無責而不介入處理
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※ 編輯: shukima (110.27.202.77), 05/11/2016 22:17:04
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還有 25 則推文
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