停车场事故

[svwma]

去买东西，回来发现自己的车被刮了，挺大的一片瘪塘。旁边的车已经换了。
心情很差，也不知道怎么处理，特来请教。

目前还没有和保险公司联系，不知道事故多久内需要联系？
如果我要求索赔对明年的保险会有影响吗?

谢谢先。

 

[风 雨]

1. 找证人,拍照,到警察局备案, 拿case number. 为报保险做准备.
2. 马上找2-3个collision center估价, 同时要带保险和不带保险两种价.
3. 根据你自己的具体情况, 保险公司, 保险条款, 过去几年CLAIM的多少, 等等, 判断怎样办对你字己更有利, 做出决定. 但一定要快, 有些保险公司要求得24-48H内报告的.
祝好运.

 

[Timothy's]

most insurance policy has 500 dollar deduction. You could go to a body shop do a estimate. If it cost 600 to fix it. You only get 600 - 500 = 100 back. But the claim would be in your record. If you stay with you current insurance company , most time it is ok. But if you find a better deal in another company and want to switch, they would ask more because of the claim.

 

[szchsong]

it is hit and run. In my case, I got police report and it was zero-deduct.

 

[svwma]

是500刀的deduction，好像不能取消claim。。。

谢谢各位回复。

 

[李教练]

由于有500的deduction，claim又会影响以后的保险，一般损失在2000以内都尽可能自己解决。不过如果已经claim就不能取消了。

 

[bigface]

it is hit and run. In my case, I got police report and it was zero-deduct.

This is the only correct answer here.

 

[风 雨]

Police report can only help to classify this accident as a hit-and-run, meaning your responsibility level is set at 0%. However, how much deductible depends on the individual insurance policy (and rules of the specific insurance company). Read the policy document and everything should be there.

it is hit and run. In my case, I got police report and it was zero-deduct.