[北美] 汽車保險如何購買? - 洛杉磯
By Lily
at 2010-08-27T02:16
at 2010-08-27T02:16
Table of Contents
※ [本文轉錄自 Oversea_Job 看板 #1CTU0yyt ]
作者: chenbiyi (偷查北鼻~~) 看板: Oversea_Job
標題: [北美] 汽車保險如何購買?
時間: Thu Aug 26 11:32:10 2010
以往都是買陽春的25000/50000 coverage
但今天聽同事說小擦撞也可能被告到傾家蕩產
遇到小車禍最好當下用現金和對方和解
他當初車禍後以為理賠已完畢
但claim有效期是24個月,也就是case有可能 reopen
對方在車禍後第20個月找醫生開證明說有內傷
然後官司又持續了四年
甚至有律師專門接這種生意
同事建議買汽車保險保額要高於房屋價值
這樣才比較有保障
否則對方律師看到你有房子,就會認為有油水撈
這個保額應該要保在哪一項?personal injury? property damage?
在美國開個車,真的有這麼誇張嗎?
真是深深體驗同事說的: 沒被告過就不是美國人
他最近房客在house前滑倒,然後就告我同事...
--
作者: chenbiyi (偷查北鼻~~) 看板: Oversea_Job
標題: [北美] 汽車保險如何購買?
時間: Thu Aug 26 11:32:10 2010
以往都是買陽春的25000/50000 coverage
但今天聽同事說小擦撞也可能被告到傾家蕩產
遇到小車禍最好當下用現金和對方和解
他當初車禍後以為理賠已完畢
但claim有效期是24個月,也就是case有可能 reopen
對方在車禍後第20個月找醫生開證明說有內傷
然後官司又持續了四年
甚至有律師專門接這種生意
同事建議買汽車保險保額要高於房屋價值
這樣才比較有保障
否則對方律師看到你有房子,就會認為有油水撈
這個保額應該要保在哪一項?personal injury? property damage?
在美國開個車,真的有這麼誇張嗎?
真是深深體驗同事說的: 沒被告過就不是美國人
他最近房客在house前滑倒,然後就告我同事...
--
Tags:
洛杉磯
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