汽車保險
Information on Third-Party Claims
Filing a claim with your own auto insurance company is called a first-party claim. When you’re in an accident and think it was another driver’s fault, you may file a claim with their insurance company. This is called a third-party claim.
Potential Problems with Filing a Third-Party Claim
Filing a third-party claim against another driver can be harder for several reasons:
- The other driver may not have insurance, or enough insurance, to pay for your damages.
- The other driver’s insurance company is on their driver’s side.
- The other driver’s company must agree it was their driver’s fault.
- The other driver may not cooperate with their insurance company and, as a result, their company may not pay for your damages.
There are still things you can do.
Property Damage
If you have collision coverage on your own policy:
Let your insurance company deal with the other driver. Your company can pay the cost of your damages and try to collect from the other driver’s insurance. You will probably have to pay a deductible, although it may be recovered and refunded later.
If you have UM/UIM coverage and the other driver is uninsured or they don't have enough insurance to cover all of your damage:
File a claim under your own policy’s UM/UIM property damage coverage.
If the other driver has insurance, but you don't have collision coverage on your policy:
- You have to deal directly with the other driver’s insurance company. Your insurance company may help, but they won’t pay for your damage.
- Gather as much information as possible about the accident and your damages. Photos, witness contact information, the police report, damage estimate, and repair shop contacts can all be helpful.
Injuries
If the other driver has insurance:
- If you are hurt and the other insurance company agrees to pay some, or all, of your claim, read anything you are given to sign, including checks, carefully.
- The other insurance company will make you sign a release waiver for all claims. Once you sign that release, you are not going to get more money for your injury. Be careful and take your time before you sign anything.
If the other driver doesn't have insurance or enough insurance to cover your damages:
File a claim under your own policy’s UM/UIM coverage.
You may want to talk to an attorney who handles auto accident cases. Also, if your policy has Personal Injury Protection (PIP) or Medical Payments coverage, you may file a claim under your own policy to get some of the medical bills paid. PIP also covers other things like 80% of lost wages.
必知術語
理賠——向保險公司提出的要求，以索取因損害或傷害所產生的賠償。
理賠專員 – 審查損失情況，以釐清保單涵蓋的範圍、是否存在賠償責任，以及應支付的金額。
承保範圍——保險公司根據保單同意賠償的損害或傷害。
自付額——若您提出理賠申請，理賠款項將扣除自付額。此金額可於您的保單「保單條款頁」中查閱。
第一方理賠——您針對自身保險單提出的理賠申請。
責任——當您須對他人的人身傷害或財產損失負責時。
保單——您與保險公司之間簽訂的合約。保單會說明承保範圍，以及保險公司必須支付的理賠金額。
保單期間 – 您的保單提供保障的期間。
保費——您為保單支付給保險公司的金額。
第三方理賠——您針對他人保險單提出的理賠，或他人針對您的保險單提出的理賠。