[問題] 丙式車險出險被保險公司凹消失
請問一下大家車禍出險的問題,上星期因爲車禍,對方騎機車闖紅燈撞到我右前車側,前
保桿、前下巴、右前葉子板、引擎蓋、右後照鏡、右大燈、右前門、右前A柱、右側裙、
右前輪框,全都中招,因為本人是嘉義人,嘉義沒audi原廠,所以想說去認識的外廠出險
,ㄧ來是自己信的過的朋友,二來是自己也可以隨時去盯著看,三來是外廠比較沒有記錄
,所以跟修車廠主張受損處全換新、全部要原廠料件,請修車廠幫我估價,今天估價出來
,大概接近50萬的維修費(原廠估的話比這數目還大),沒想到理賠保險員去看過後,竟
然說,門用鈑的、引擎蓋用鈑的、其他料件保險公司備料,有副廠用副廠的...
我聽到整個火都上來,這樣合理嗎?我ㄧ台新車剛買三個月,照顧的漂漂亮亮的,愛車比
愛老婆還多,被闖紅燈的三寶撞已經很衰了,還要被保險公司凹。
因為對方闖紅燈,自己本身幾乎無肇責,所以保險公司還可以向肇事人代位求償,結果收
保險費跑最快,出險要理賠確跟保戶東凹西凹,ㄧ整個龜懶趴火。
請問大家,我有什麼辦法可以更主張自己的權利,譬如去原廠估價後,跟保險公司要錢,
自己去外廠修,之類的可行嗎?
另外,我的保險公司是國泰!
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