a******q
发帖数: 39 | 1 上周车停在小区内，一辆运货车把我车后面的Bumper挂掉了两大块漆，Bumper也松了。
货车司机当时打电话给警察了，后来警察来了，并给我们开了报告，是货车的全责。
我当时也给自己的保险公司打了电话，也拍了照。
但过了一个星期，除了自己保险公司和我联系之外（我的是半保，我的保险公司不管）
，货车司机的保
险公司一直没有跟我联系，一般需要等多久需要和他的保险公司直接联系。
报告上写的货车的保险公司是National Union Fire Insurance Company Of
Pittsburgh，
边个网站都找不到。
请大家有经验的给些建议。 | i****a
发帖数: 36252 | 2 On filing insurance claim, you can either:
I. file a claim with the other driver's insurance company directly. you
don't pay anything
or
II. file a claim with Your Own insurance company if you have full
coverage, then you have to pay deductible first because you are
technically filing a claim against your own insurance. then if it's
determined it's not your fault, your ins company will get all the money
back and refund your deductible.
on fixing the car, you have 2 options:
A. get cash - if you do NOT want to fix the car or want to fix it cheap
and pocket the differece, get 3 free estimates from 3 different body
shops, fax them to the insurance company and ask for as much as possible
or
B. get the car fixed - send your car to good bodyshop, ask them to bill
the insurance directly. Usually insurance company recommended bodyshop
are good; avoid dealer because most dealers do not do body work, they
tow your car to a body shop nearby and charge you $2000 extra.
Call other party's insurance. demand car rental reimbursement, starting
from the day of the accident until the proprety damage claim is closed.
don't need to wait for police report, it's useless in this case
【在 a******q 的大作中提到】
: 上周车停在小区内，一辆运货车把我车后面的Bumper挂掉了两大块漆，Bumper也松了。
: 货车司机当时打电话给警察了，后来警察来了，并给我们开了报告，是货车的全责。
: 我当时也给自己的保险公司打了电话，也拍了照。
: 但过了一个星期，除了自己保险公司和我联系之外（我的是半保，我的保险公司不管）
: ，货车司机的保
: 险公司一直没有跟我联系，一般需要等多久需要和他的保险公司直接联系。
: 报告上写的货车的保险公司是National Union Fire Insurance Company Of
: Pittsburgh，
: 边个网站都找不到。
: 请大家有经验的给些建议。
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