<P> </P>
<P>老总来公司路上被撞。郁闷中..................</P>
<P> </P>
<P>但是最郁闷的是在去保险公司定损后又一次被撞............................................</P>
<P> </P>
<P>无语~慰问~~</P>
<P> </P>
<P>等他回来讲述详细经过,因为涉及到交强险!</P>
<P> </P>
<P>这次给大家总结一些最新出险理赔过程~</P>
<P> </P>
<P>绝对原创`</P>
<P> </P>
<P><FONT color=blue size=3>老总口述:</FONT></P>
<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt; TEXT-ALIGN: center" align=center><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New
Roma(
参数|
询价)n'; mso-hansi-font-family: 'Times New Roman'"><FONT size=3>我的保险理赔经历</FONT></SPAN></P>
<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt"><SPAN lang=EN-US><?xml:namespace prefix = o ns = "urn:schemas-microsoft-com<img src=" /><o:p><FONT face="Times New Roman" size=3></FONT></o:p></SPAN> </P>
<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt"><FONT size=3><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">一直以来,我对自己的驾驶水平还是很有信心的,开车</SPAN><SPAN lang=EN-US><FONT face="Times New Roman">2</FONT></SPAN><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">年来,总在路上看到别人的事故在上演。可就在今天,</SPAN><?xml:namespace prefix = st1 ns = "urn:schemas-microsoft-com<img src=" /><st1:chsdate w:st="on" Year="2007" Month="4" Day="4" IsLunarDate="False" IsROCDate="False"><SPAN lang=EN-US><FONT face="Times New Roman">4</FONT></SPAN><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">月</SPAN><SPAN lang=EN-US><FONT face="Times New Roman">4</FONT></SPAN><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">日</SPAN></st1:chsdate><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">,我也成了故事中的一个角色,我被追尾了。</SPAN></FONT></P>
<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt"><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'"><FONT size=3>在西五环上,追我的是一辆
奥迪,奥迪车主全责。</FONT></SPAN></P>
<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt"><FONT size=3><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">在交警现场处理完毕后,我们各自给保险公司报案,我投保大地保险,奥迪是人保,但是双方都上了交强险,根据交强险的规定,我无责,但是对方车辆有损坏,我也得支付对方</SPAN><SPAN lang=EN-US><FONT face="Times New Roman">400</FONT></SPAN><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">元大洋!!!——</SPAN><FONT face="Times New Roman"> </FONT><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">不知道保监会怎么制定的这种搞怪的政策,真是服了这帮人了。</SPAN></FONT></P>
<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt"><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'"><FONT size=3>接下来,便是烦人的定损程序。</FONT></SPAN></P>
<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt"><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'"><FONT size=3>由于有交强险,我们先是到了我投保的大地保险公司的定损中心,结果大地保险公司的定损员说直接去对方的人保公司定损就可以,因为大地保险公司认同人保公司的定损价格,害得我们白跑一趟。</FONT></SPAN></P>
<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt"><FONT size=3><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">随后来到人保公司海淀定损中心,那真是人叫一个多啊,乱哄哄的。奥迪车的理赔委托人是一个修理厂的,似乎跟保险定损员比较熟,三下两下的排到了前面。正窃喜不用等很长时间,结果问题出现了:</SPAN><SPAN lang=EN-US><FONT face="Times New Roman">1</FONT></SPAN><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">、由于奥迪车主没有到场,是委托修理厂的人来办理,定损中心必须要委托书,而且要原件,后来经过协商,对方发了一份传真过来,也就作罢;</SPAN><SPAN lang=EN-US><FONT face="Times New Roman">2</FONT></SPAN><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">、奥迪车是公司车辆,对于保险公司来说属于公户,还需要有车主的体检证明——这个我不是太明白,后来又是发传真解决了。经过轮番折腾,花了近</SPAN><SPAN lang=EN-US><FONT face="Times New Roman">2</FONT></SPAN><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">个小时才轮到拍照定损。之后的程序就快了,打印定损单,然后事故双方签字确认,再让定损中心的主管签字盖章。然后,各自回家,各自修车,奥迪车主报销费用。</SPAN></FONT></P>
<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt"><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'"><FONT size=3>关于修车,由于有朋友是汽车俱乐部的,直接联系俱乐部合作的修理厂,修理厂的人直接上门接车,还很省心。</FONT></SPAN></P>
<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt"><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'"><FONT size=3>修车完毕,提供维修工单和修理发票给奥迪车主,报销修理费用,至于奥迪车主自行去人保理赔中心结算费用就跟我无关了,呵呵。</FONT></SPAN></P>
<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt"><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'"><FONT size=3>此次保险理赔,让我感触很多:</FONT></SPAN></P>
<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt 18pt; TEXT-INDENT: -18pt; mso-list: l0 level1 lfo1; tab-stops: list 18.0pt"><SPAN lang=EN-US style="mso-fareast-font-family: 'Times New Roman'"><SPAN style="mso-list: Ignore"><FONT face="Times New Roman"><FONT size=3>1、</FONT><SPAN style="FONT: 7pt 'Times New Roman'"> </SPAN></FONT></SPAN></SPAN><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'"><FONT size=3>关于交强险的赔付,不明白国家为何制定这种政策,无责一方还得赔付有责一方;</FONT></SPAN></P>
<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt 18pt; TEXT-INDENT: -18pt; mso-list: l0 level1 lfo1; tab-stops: list 18.0pt"><SPAN lang=EN-US style="mso-fareast-font-family: 'Times New Roman'"><SPAN style="mso-list: Ignore"><FONT face="Times New Roman"><FONT size=3>2、</FONT><SPAN style="FONT: 7pt 'Times New Roman'"> </SPAN></FONT></SPAN></SPAN><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'"><FONT size=3>保险定损过程中,必带的资料有:保单原件、行驶本原件、驾驶证原件、身份证原件、交警裁决单;</FONT></SPAN></P>
<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt 18pt; TEXT-INDENT: -18pt; mso-list: l0 level1 lfo1; tab-stops: list 18.0pt"><SPAN lang=EN-US style="mso-fareast-font-family: 'Times New Roman'"><SPAN style="mso-list: Ignore"><FONT face="Times New Roman"><FONT size=3>3、</FONT><SPAN style="FONT: 7pt 'Times New Roman'"> </SPAN></FONT></SPAN></SPAN><FONT size=3><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">事故发生现场必须做的事情:拨打</SPAN><SPAN lang=EN-US><FONT face="Times New Roman">122</FONT></SPAN><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">报警;等交警处理完毕后,要立即向保险公司报案,记住报案号;</SPAN></FONT></P>
<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt 18pt; TEXT-INDENT: -18pt; mso-list: l0 level1 lfo1; tab-stops: list 18.0pt"><SPAN lang=EN-US style="mso-fareast-font-family: 'Times New Roman'"><SPAN style="mso-list: Ignore"><FONT face="Times New Roman"><FONT size=3>4、</FONT><SPAN style="FONT: 7pt 'Times New Roman'"> </SPAN></FONT></SPAN></SPAN><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'"><FONT size=3>保险理赔必须的资料:</FONT></SPAN></P>
<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt 36pt; TEXT-INDENT: -36pt; mso-list: l1 level1 lfo2; tab-stops: list 36.0pt"><SPAN lang=EN-US style="mso-bidi-font-family: 宋体"><SPAN style="mso-list: Ignore"><FONT face="Times New Roman"><FONT size=3>(1)</FONT><SPAN style="FONT: 7pt 'Times New Roman'"> </SPAN></FONT></SPAN></SPAN><FONT size=3><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">无责方:向主责方提供维修工单、维修发票以及定损单,对方支付维修费用;同时,责任方向无责方提供维修工单、维修发票(</SPAN><SPAN lang=EN-US><FONT face="Times New Roman">400</FONT></SPAN><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">元)、交裁单和定损单,无责方支付责任方</SPAN><SPAN lang=EN-US><FONT face="Times New Roman">400</FONT></SPAN><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">元,随后带着上述资料去保险公司报销;</SPAN></FONT></P>
<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt 36pt; TEXT-INDENT: -36pt; mso-list: l1 level1 lfo2; tab-stops: list 36.0pt"><SPAN lang=EN-US style="mso-bidi-font-family: 宋体"><SPAN style="mso-list: Ignore"><FONT face="Times New Roman"><FONT size=3>(2)</FONT><SPAN style="FONT: 7pt 'Times New Roman'"> </SPAN></FONT></SPAN></SPAN><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'"><FONT size=3>责任方:带着双方的维修工单、维修发票、交裁单、定损单以及被保险人身份证、行驶本和保单原件去保险公司进行理赔。</FONT></SPAN></P>
<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt"><FONT size=3><SPAN lang=EN-US><FONT face="Times New Roman">5</FONT></SPAN><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">、在保险公司定损的时候,一定要跟定损员据理力争,——</SPAN><FONT face="Times New Roman"> </FONT><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">我的后保险杠定损价格就从</SPAN><SPAN lang=EN-US><FONT face="Times New Roman">380</FONT></SPAN><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">元争取到了</SPAN><SPAN lang=EN-US><FONT face="Times New Roman">900</FONT></SPAN><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">多!!!!!!</SPAN></FONT></P>
<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt"><SPAN lang=EN-US><o:p><FONT face="Times New Roman" size=3> </FONT></o:p></SPAN></P>
<P class=MsoNormal style="MARGIN: 0cm 0cm 0pt"><FONT size=3><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">从早上</SPAN><SPAN lang=EN-US><FONT face="Times New Roman">8</FONT></SPAN><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">点多发生事故直到从保险公司定损中心出来已是下午</SPAN><SPAN lang=EN-US><FONT face="Times New Roman">5</FONT></SPAN><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">点了,整整折腾了一天。此时我在想,要是能有代办的公司就太好了,期待有能提供这种服务的公司出现</SPAN><SPAN lang=EN-US><FONT face="Times New Roman">………</FONT></SPAN></FONT></P>
<P> </P>