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  • 枫下家园 / 爱车一族 / 紧急求助！！ -ssli1(ben); 2001-12-4 {247} (#285090@0)
    今晚开车出了事故，责任在我，预计对方修车费用大概在2000－3000加币，警察来后做了登记，我为汽车买的保险是第三者保险，且仅仅一个多月。请问各位大侠，我应该通过保险公司付款还是自己掏钱？如通过保险公司，存不存在保险公司明年不给续保的可能性？
    请赐教。
    • 出了车祸，该如何处理，请各位大侠赐教 -ssli1(ben); 2001-12-4 (#285168@0)
      • This is hard to say. (see inside) -baden(Booster); 2001-12-4 {1013} (#285198@0)
        I have one friend who was involved in an car accident. He was in responsible. The repair cost for the other party's vehicle costed about the same amount as yours ($3000).

        The insurance company increased his premium when his insurance expeired. In 3 consecutive years the premium would increase 800 a year. No discpount for this additional $800 premium. The base premium could still be elligible for further discount.

        Since you're only covered with 3rd party liability (i.e., to pay the orther party's damages), your car itself is not covered. Your loss will be further than that.

        If you go through insurance company you have to pay any of the deductables and the increased premium in the coming years. But your cash flow may not be as bad as paying the entire repairing cost in all.

        If I were you I would go with the insurance company if the damage is over $2500. If it were less than $1500 I would select paying myself. Any amount between 1500-2500 I would have to flip a coin.

        Hope this helps.
    • 当然保险公司付。1：不然买保险干什么？2：保费加一点都加不到￥100/月！3：报了案就肯定有记录了，别瞎操心了 -ra95(C&C); 2001-12-4 (#285197@0)
      • 你说的真轻松呢？你知道这个涨法不是一年就算，要三年才能恢复到现在水平，六年后才能到达恢复到最低的记录。算算，4，5千是走不了了。 -joshua(J.J *L*); 2001-12-4 (#285681@0)
        • hehe, Tai2Gang4! Now $150/month --> have a case 33%+ = 50/month ... even 3 years == 50*12*3 = 1800 ... Actually 10%~20% only! -ra95(C&C); 2001-12-4 (#285737@0)
          • 谁告诉你只涨10%的,对于新车来说,无论多大多小的事故,只要是全部责任,一年基本涨800-100,要5年没事故才会回到你现在的水平. -wins(wins); 2001-12-4 (#285753@0)
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