现在的汽车数量不断提高,停车成了一个“紧张”的问题,有小区户住宅的,有送车位,但是没有的车主,也有选择将爱车停在路边的,接受“自然生活”的损害。而这些损害不得不说的“小孩划划车壳”“其他车辆碰撞”等数不清的伤害。
而这些所造成的伤害,都是车主一人承担,那就有车主也好奇了,那这车停路边被撞,是要先报警还是先找保险,但小编这要和车主们说的是,这个顺序很重要,搞错了就一分钱都没有的。
首先,如果车子是被刮花或者受到损伤,那这时是要选择报警再寻求保险公司帮助,通过监控找到肇事者,事情就好解决,这样的话,保险公司是会赔你70%损伤,这样就比自己出全款好,所以这种情况,先找警察处理问题,再找保险公司理赔就对了。
如果说附近没有监控,车子也没有装行车记录仪的话,这时候就要注意了,这要是找不到犯罪者,保险公司可不等人。因为保险公司属于是有时效性的,一般规定是两天,超过后,申报保险就会过了索赔期,保险公司自然不会赔付任何钱财,就只能自己出钱修复了。
正确做法的话,那就先通知保险公司,再排专员到现场看,根据是否可进行理赔的实情,来判定理赔程度,保持第一现场也是很重要的;但要避免被保险公司感觉像骗保,大家先通知保险公司后就可以不用管太多,会有专门的保险专员会全责负责的,这期间大家就暂时先别和维修店铺有维修交易,这样也会被保险公司觉得你是在骗保。所以正确顺序就是先找找保险公司,再找肇事者。
都说人生的出场顺序很重要,找赔的顺序也很重要,大家怎么看?
原创文章,作者:cesifu,如若转载,请注明出处:http://www.cesifu.com/article/4856.html
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