[問題] 車禍處理方式
Hello 各位熱心的版友,想請教發生車禍後的理賠處理方式:
保險:只有強制險,沒有保車體險(一忙忘記保,結果真的車禍了..)
損失:車損 + 人受傷
車損:外廠初抓10萬以上,確切金額還在等外廠回報。
基於跟對方保險公司過去的交手經驗,外廠可能會請我們回原廠
人受傷:手跟臉部腫脹,已去醫院就醫
想請教:
1. 人受傷的費用:只能實報實銷嗎? 若未來需復健,也無法先取得未來的單據
2. 人受傷的請求對象:是直接向對方保險公司請求嗎? 或是向對方請求?
3. 車損的費用:維修部分實報實銷嗎? 另外,看板友經驗可以請求價值減損
4. 車損的請求對象:是直接向對方保險公司請求嗎?
5. 車損的維修時機:是等到拿到理賠金額後才開始維修嗎?
6. 請求人受傷費用跟車損的費用的時間點什麼時候才恰當?
感謝各位熱心的版友
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