d*********a
发帖数: 255 | 1 今天早上出了点事故，对方全责。 打电话给自己的保险公司。我保险是全保，说有两
个选择，
1，走自己的保险，需要交几百的deductable费
2，走对方的保险，等对方保险联系我修车事宜
这两个方案哪个好？各有什么利弊？
谢谢！ | 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.
【在 d*********a 的大作中提到】
: 今天早上出了点事故，对方全责。 打电话给自己的保险公司。我保险是全保，说有两
: 个选择，
: 1，走自己的保险，需要交几百的deductable费
: 2，走对方的保险，等对方保险联系我修车事宜
: 这两个方案哪个好？各有什么利弊？
: 谢谢！
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