被碰了一下rear-bumper

dandan

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前几天开车被人碰了一下rear-bumper,并不严重,留下了对方的
保险号,姓名,保险公司名称等信息,没有目击证人,后来在联系
对方时发现对方总是在拖延,还说要我先去修车然后后给他invoice,
他再给我钱。我不想再这样拖下去了。
在这里问一下大家,如果我去保险公司claim,会不会很麻烦,
比如对方不认账什么的。有人有过类似的经验吗?
谢谢了。
 

yiyi

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我的经验

我们撞了别人, 他去修车然后让我们去付款.
 

Teddy

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heee... another bad guy. give him two options: 1. some cash you are satisified with; 2. report to insurance company. next time, ask another party to write a satement/confirmation note at spot.
 

dxchen_ca

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最初由 dandan 发布
前几天开车被人碰了一下rear-bumper,并不严重,留下了对方的
保险号,姓名,保险公司名称等信息,没有目击证人,后来在联系
对方时发现对方总是在拖延,还说要我先去修车然后后给他invoice,
他再给我钱。我不想再这样拖下去了。
在这里问一下大家,如果我去保险公司claim,会不会很麻烦,
比如对方不认账什么的。有人有过类似的经验吗?
谢谢了。
It does not worth to claim for the slight damage. insurance claim might cause you difficulties in future. You can take a photo with date on as evidence and then repair the bump.

I was hit by a guy several years ago in a snow day and the rear bump was scratched slightly. I suggested that he pay for the repair and I don't report to the insurance for his goodness and he agreed. Then I went to three bodyshops and asked for quotations. I told him the results and he agreed to pay the invoice at the lowest one. The day I sent my car into the bodyshop, I called him and inform the work number with my name, car VIN and estimate cost. He went to the bodyshop and paid the cost during the day. I picked up my repaired car after my work hour, even we did not see each other that day.

In your case, the guy has agreed to pay for the repair cost. you can go to a few bodyshops and ask for quotations and inform him. if he agrees, you send the car to the bodyshop at the lowest quotation cost and let him to pay the bodyshop directly or pay you. It should be ok because you already have his insurance # etc. the possibility for him to deny is not high. If he does, you can sue him in the small amount court and you should win most likely. By the way, the cost should be 200 to 300 for rear bump repainting, but you may see quotations as high as 500 to 600.

Good luck!
 

spsun

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The best approach is to get few estimates as noted above.
Then give the estimates to that person who hit your bumper and ask him which place he prefers and then get a cheque from him or arrange for him to pay. Otherwise, he may not pay you later.

Everything should be in writing, e.g., asking him to sign a statement that he hit you and will to pay for the costs. It will help if you have the signed statement, when you go to your insurance company (if he does not pay the costs).
 

spsun

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or just keep the money, if the damage is not bad.
 

dandan

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Re: 我的经验

最初由 yiyi 发布
我们撞了别人, 他去修车然后让我们去付款.
多谢回复,
你是好人,我也是好人,希望大家都是好人,平安!
 

dandan

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最初由 Teddy 发布
heee... another bad guy. give him two options: 1. some cash you are satisified with; 2. report to insurance company. next time, ask another party to write a satement/confirmation note at spot.
多谢回复,
那天天气不好,大家都是匆匆忙忙的,我也没有什么经验,
希望对方尽快支付修理费用。以后会注意你所提到的statement。
 

dandan

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Re: Re: 被碰了一下rear-bumper

最初由 dxchen_ca 发布


It does not worth to claim for the slight damage. insurance claim might cause you difficulties in future. You can take a photo with date on as evidence and then repair the bump.

I was hit by a guy several years ago in a snow day and the rear bump was scratched slightly. I suggested that he pay for the repair and I don't report to the insurance for his goodness and he agreed. Then I went to three bodyshops and asked for quotations. I told him the results and he agreed to pay the invoice at the lowest one. The day I sent my car into the bodyshop, I called him and inform the work number with my name, car VIN and estimate cost. He went to the bodyshop and paid the cost during the day. I picked up my repaired car after my work hour, even we did not see each other that day.

In your case, the guy has agreed to pay for the repair cost. you can go to a few bodyshops and ask for quotations and inform him. if he agrees, you send the car to the bodyshop at the lowest quotation cost and let him to pay the bodyshop directly or pay you. It should be ok because you already have his insurance # etc. the possibility for him to deny is not high. If he does, you can sue him in the small amount court and you should win most likely. By the way, the cost should be 200 to 300 for rear bump repainting, but you may see quotations as high as 500 to 600.

Good luck!
多谢回复,
要是所有的小事故都像你这样能圆满解决就最好了,我会shop around尽量
给对方一个便宜一点的deal,但是像你说的quotation是500,实际是200,
你的意思是修理只值200还是最后车行只收200?我以前都是实际修理费用
和评估费用一样的。
 

dandan

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最初由 spsun 发布
The best approach is to get few estimates as noted above.
Then give the estimates to that person who hit your bumper and ask him which place he prefers and then get a cheque from him or arrange for him to pay. Otherwise, he may not pay you later.

Everything should be in writing, e.g., asking him to sign a statement that he hit you and will to pay for the costs. It will help if you have the signed statement, when you go to your insurance company (if he does not pay the costs).
多谢回复,
以后会注意留下一些纸面上的东西,这样以后好说一些。
大家车里都有纸笔吗:)
 

Teddy

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Dandan is a nice person. Remember to get quote from bodyshops and ask this guy to confirm and pay before the work is started. I have a feeling that this is not an easy-going guy. Or, if you don't really wish to repair the bumper, ask him to pay your damage in cash - a bumpuer work is at least $250.
 

LostRabbit

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最初由 dandan 发布

多谢回复,
以后会注意留下一些纸面上的东西,这样以后好说一些。
大家车里都有纸笔吗:)
岂止要准备"纸笔",还要准备

1) "数码相机"(DIGITAL CAMERA才几个钱,要是让人家赖掉了,损失的VALUE可远远超过DIGITAL CAMERA.)
2) 防盗铁竿(可做打架武器 :D )
 

lostseason

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最初由 dandan 发布
前几天开车被人碰了一下rear-bumper,并不严重,留下了对方的
保险号,姓名,保险公司名称等信息,没有目击证人,后来在联系
对方时发现对方总是在拖延,还说要我先去修车然后后给他invoice,
他再给我钱。我不想再这样拖下去了。
在这里问一下大家,如果我去保险公司claim,会不会很麻烦,
比如对方不认账什么的。有人有过类似的经验吗?
谢谢了。
对方给你留下了详细个人信息和保险号,因此,其人不认账的可能不大。

不过,西人都很会保护自己的利益,他/她肯定会争取花钱最少,或让你自己失误,以至于少赔或不赔。

你要做的,是立即去一家较好的bodyshop评估一下修理费用,给个estimate价格单,然后传真给他/她。如果他嫌贵,你就要求与他一起去找2-3家bodyshop,然后一起选个价格低的,并让他立即付帐。
 

lostseason

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这种事,最好在24小时内处理完。
 

dxchen_ca

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Re: Re: Re: 被碰了一下rear-bumper

最初由 dandan 发布

多谢回复,
要是所有的小事故都像你这样能圆满解决就最好了,我会shop around尽量
给对方一个便宜一点的deal,但是像你说的quotation是500,实际是200,
你的意思是修理只值200还是最后车行只收200?我以前都是实际修理费用
和评估费用一样的。
Sorry for the confusion. The payment was the same as the quotation (less than 5% difference is allowed by the Consumer Act). I asked three bodyshops and the quotations were 570, 420 and 230 respectively. What I wanted to advise is that you have to shop around to get a real cost quotation for the repair, not be fooled by some bad bodyshops that try to blackmail you. Showing several quotations to the person who hit you is also a way to show your sincerity (tried your best to save money for him). And you can ask him if he knows any cheaper bodyshop. If he can't, why don't he accept your lowest one but look for the trouble of insurance claim or being sued in court for just a couple of hundreds dollars. Good luck.
 
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