[请求] 在停车场被一辆倒车的车刮了前保险杠，该怎么办？
- 主题发起人 summer wine
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Re: 对方应该赔你的损失,她能有这个态度吗? 还在幻想.
=========Quote from IBC ===============================
...... When there are two different versions of what caused the accident and no independent evidence, claims are usually settled on a 50/50 basis, This may affect insurance premiums at renewal.
=======================================================
When you call the other driver, you should NOT admit that it was your fault. Anyway, the insurance companies will determine who was at fault based on your version, another driver version, as well as your passengers' version. If you can't find any independent witness for the accident, it doesn't hurt to mention that your family members as passengers were there during the accident.
Based on your version, the other driver was 100% at fault. In the worst case, she was 50% at fault and you were 50% at fault. I guess the other driver just scare you. If you believe that you are right, why don't you proactive and tell her that she needs to pay you the damage, otherwise, you will report to the insurance company.
DON'T wait until she reports to the insurance company first.
Based on the FAQ information at Insurance Bureau of Canada, http://www.ibc.ca/pdffiles/regions/ontario/faq.pdf , if there are 2 versions of the cause of the accident, either party will be responsible for 50% fault.
=========Quote from IBC ===============================
...... When there are two different versions of what caused the accident and no independent evidence, claims are usually settled on a 50/50 basis, This may affect insurance premiums at renewal.
=======================================================
When you call the other driver, you should NOT admit that it was your fault. Anyway, the insurance companies will determine who was at fault based on your version, another driver version, as well as your passengers' version. If you can't find any independent witness for the accident, it doesn't hurt to mention that your family members as passengers were there during the accident.
Based on your version, the other driver was 100% at fault. In the worst case, she was 50% at fault and you were 50% at fault. I guess the other driver just scare you. If you believe that you are right, why don't you proactive and tell her that she needs to pay you the damage, otherwise, you will report to the insurance company.
DON'T wait until she reports to the insurance company first.
summer wine
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感谢这么多热心的朋友们的建议和信息。我是不应该抱有任何幻想她能赔偿我的损失。刚才跟她通了电话，她一点私了的意思都没有，一口咬定双方都有错，并拒绝到警察局去备案。她说要么我们各付各的，要么报告保险公司，她根本无所谓。还有，今天我给自己的车照相时发现车牌下面的保险杠上有一道长长的裂纹，昨天可能是因为保险杠上有灰尘，不仔细看还看不出来；今天让雨水一洗，就很明显了。明天去车行估个价，然后去警察局备案。那种女人，气焰嚣张，撞了别人的车还强词夺理，态度蛮横，不好好给她个教训，她那样开车迟早得害人。
photographer
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parking lot accident is always 50-50 fault. If you make a claim, your insurance will go up next year.
I had a similar accidient during my vacation in Tremblant, Qucbec. My car was parked in a parking lot. a French speaking lady tried to park her car beside my car and hit and damage my rear dumper and one wheel cover. I caught her and she admitted her fault. At the scene, she didn't want to solve it privately and wanted to go throught insurance. we exchnaged our info and she filled out a form (here I attached), at the bottom of the form, she wrote that she hit my car. both of us signed the form.
when I came back to ottawa, I called and faxed the form to my insurance Co. , and had my car estimated for repair. (close to $1000). because it's not my fault, my deductible was waived and got 100% reinbursed.
I suggested that keep the form in your car all the time.
here is the link to the form:
http://www.insurancekit.ca/docpdf/joint_report.pdf
when I came back to ottawa, I called and faxed the form to my insurance Co. , and had my car estimated for repair. (close to $1000). because it's not my fault, my deductible was waived and got 100% reinbursed.
I suggested that keep the form in your car all the time.
here is the link to the form:
http://www.insurancekit.ca/docpdf/joint_report.pdf
tigerwoods
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NOT 'ALWAYS'!
DEPEND ON HOW YOU CLAIM.
summer wine
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周五去车行作了估价，还好，修不超过300刀，换不超过500刀。然后去警察局备案，尽管出事现场那个警察女士很偏袒对方，但警察局里的警察先生还比较公正。他简单问明了情况并给了我一个case number，又告诉我说，根据我反映的情况，对方应该是负全责，我没一点过失，因为停车场内的事故，50-50是在两辆车往同一方向行驶的前提下的；如果不是同一方向，那倒车的一方负全责。他说我根本不用证明当时我的车是停了还是开动着，也不用给她的车照相，他说保险公司一看我车上的划痕就都清楚了。他还说，对方应该赔偿我的损失，如果她不赔，就报保险公司，因为我没过失，我修车的费用应该全部cover，不用考虑deductable，我以后的保险费也不应受影响。
看来我应该通过保险公司来解决了。
看来我应该通过保险公司来解决了。
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my experience is,
50% vs 50% at fault was the adjustment because it was parking accident, even I was 1000% not at fault. And my premium increased more than $200CAD per month. :flaming:
my suggestion is take it easy, forget it, repair your car yourself.
50% vs 50% at fault was the adjustment because it was parking accident, even I was 1000% not at fault. And my premium increased more than $200CAD per month. :flaming:
my suggestion is take it easy, forget it, repair your car yourself.
summer wine
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感谢各位的信息和建议，这件事已圆满解决。
我又跟对方通了电话，把警察先生的意思告诉她，她说要再到处询问一下再说。过了几天，她打来电话说她的保险经纪人告诉她，这种情况下她应该负全责。于是她想私了，赔偿我修保险杠的钱，问我可以不可以。鉴于其态度有所转变，我也就答应了她的请求。最终她负我修车的钱，我签了个免责收据给她。
对付这种人，如果在理，一定要据理力争，不要妥协。希望给大家一点经验，碰到这种事也不用着慌。
我又跟对方通了电话，把警察先生的意思告诉她，她说要再到处询问一下再说。过了几天，她打来电话说她的保险经纪人告诉她，这种情况下她应该负全责。于是她想私了，赔偿我修保险杠的钱，问我可以不可以。鉴于其态度有所转变，我也就答应了她的请求。最终她负我修车的钱，我签了个免责收据给她。
对付这种人，如果在理，一定要据理力争，不要妥协。希望给大家一点经验，碰到这种事也不用着慌。
