求教: 车被撞,肇事者逃之夭夭...

[玄武风火]

delete

 

[dropinto]

你若花保险公司的钱，保费肯定会长，保险公司可不管你对你错
还有一项评估，你是不是容易引起交通事故，造成别人犯错

 

[lilichen1987]

你该自己去问问保险公司.把情况说明......也许没你想的那么糟

 

[lilichen1987]

什么车啊,楼主报警了吗.他可是HIT-RUN,要付刑事责任的.

 

[j2me_ottawa]

别人Hit and Run,你报保险不会涨得。

 

[Teddy]

"Hit & Run" and "Auto without Insurance" are different stories. You should have reported to police at the first spot. Right now, you can only check your policy to see if you have the "Comprehensive Coverage" option. But, anyways, you can try to contact police again if you have another party's license plate number, or discuss with your insurance company patiently....

 

[玄武风火]

谢谢大家.我已报了警, 正准备与保险公司谈.希望不会影响我的保费。毕竟这不是我的过错.
我想肇事者之所以要逃,可能是因为他驾驶的是辆无牌照车吧.

 

[开喜]

我记得以前我问过, 保险公司说, 如果你的车保了comprehensive, 就可以保你的车被撞的情况. 这时候如果是对方的错, 就不涨你的保险而且你不需要付deductable. 如果是你自己的错, 就要付deductable而且可能涨保险. 如果对方跑了, 则算hit and run, 既不用付deductable也不会涨保险. 但你应该有报警记录而且最好是有证人.

如果没有买这一条, 即使对方没有逃跑你也还是要自己掏腰包.

 

[timmy]

如果没有买这一条, 即使对方没有逃跑你也还是要自己掏腰包.

一知半解，就不要误导人家。如果是别人的错并且那人没有跑掉，买不买结果都一样：100%赔，没有deductable。如果是自己的错，买了就有赔但也有deductable，没买则不赔。

 

[Teddy]

Yeah, this is a tricky one. The key point is that if another vehicle is an "Identified" one.

If yes, like another party staying with you even w/o license, you will get "Direct Compensation" covered - most likely your premium will not be increased for "no-fault";

if no, like your case - even you didn't get the car's plate number, you will get "Comprehensive Perils" covered if you have that option - of course, deductible applies and insurance premium may be adjusted next year.

So, in a whole, try to avoid the "Un-Identified" conclusion if you talk to your insurance company after all it's not your fault. Insurance company may not care much as I think - hopefully they pay you simply through "Direct Compensation". You never know Good luck!

 

[iwantbicycles]

Keep a digital camera in the vehicle. Whenever this type of situation pops up, take a picture of another car as clearly as possible and then call police. DON'T CHASE the perpetrator, which may cause more accidents.

今天在十字路口等红灯, 被一辆无牌照车从后面猛撞.后又没能追上肇事者，让他逃之夭夭。请问在这种情况下，是否只能自认倒霉？另外,因bumper严重受损，若上报保险公司，保费是否会增加很多？

 

[j2me_ottawa]

Call your broker or insurance company asap. If your policy is the basic, there may be a delay. If you've got full coverage, they will send you the check asap.

Anyway, it's not your fault. You will get paid.

 

[开喜]

一知半解，就不要误导人家。如果是别人的错并且那人没有跑掉，买不买结果都一样：100%赔，没有deductable。如果是自己的错，买了就有赔但也有deductable，没买则不赔。

你说的对, 是我记错了. 我的车被偷然后开坏了扔掉, 虽然抓到贼了但保险公司也没给陪修车费, 是因为自己没保那部分险. 但我记错了, 记成了是被人撞坏的. 谢谢你指正. :thanks: