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Vivinavi Los Angeles自動車保険Collision
- #1
-
- 悲鳴
- 2017/09/09 14:22
自動車保険の更新の時期がやってきました。イメージが掴めないのでアドバイスをお願いします。
２００４年カローラ１９万マイルの車に乗っています。
３０００ドルで買い、修理で２０００ドルぐらい使いました。
帰国まで３年の予定で帰るときまでこの車を使いたいと考えているのですが、保険でCollisionをつけたほうがいいでしょうか？？？
こちらに来てネットで保険に関して勉強したのですが、Collisionは
「保険金が支払われるときには、損害額から免責金額をひいた差額が支払われる」
とありました。
もし事故を起こしたとき、私のような古い車に乗っている場合、Collisionをつけて（どのくらいの金額がいいのかもわかりません？？）おいて修理したほうがいいか、あるいはCollisionをつけず３０００ドルぐらいで新たな中古車を購入したほうがいいか判断がつきません。
日本でも自動車に乗っていなかったのでどちらがベターが分かりません。
何卒温かいアドバイスを宜しくお願いします。
- #2
-
- 110
- 2017/09/09 (Sat) 15:43
- Report
＞「保険金が支払われるときには、損害額から免責金額をひいた差額が支払われる」
これは基本、自爆の時とか、停めといてぶつけられて相手が判らないとか、地震とかの天災で自分の保険で自分の車を直さなければいけないときですね。その車の価値だと保険料がどれくらいアップするかでだね
で、もし相手がいる事故の場合。
例えば、あなたの車の価値が＄２０００で
相手が１００％悪い事故で自分の車の修理代が＄3000だったとしても
相手の保険会社から＄２０００しか出ません。そして全損扱いで車は保険会社が回収します。
もし自分のCollisionを使っても上限が車の価値＄２０００マイナス免責額だから出ても＄１０００位？
それを考えると
その車じゃ価値が無いから、なんかあったら捨てて新しいのに買い替えるつもりでも良いんじゃないかと
保険会社のサイトに行ってみれば？自分で見積もり出せるよ。
ただ、collision入っておくと、事故でもめてもたいてい保険会社が弁護士使って解決します。
入ってないと、自分で弁護士探してめんどくさいのもありますかね
ちなみに私は超高いAAAでフルカバーですが、過去３回ぶつけられましたが勝手に話つけてケースが終わってました。全部相手が悪いことになってます。 安くてあんまり知られてない保険会社だと、ぶつけられても自分が悪いことになってたりして苦労してる人結構いますよ
Posting period for “ 自動車保険Collision ” has been closed.
Please create new topic to continue the same topic.
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