車禍第三責任險理賠問題求助 - 保險
By Emily
at 2012-05-05T00:31
at 2012-05-05T00:31
Table of Contents
版上的各位大大好
感謝您看到這片文章
有件事情想請教一下
事情是這樣的
阿姨跟人發生了車禍
結果對方不幸的過世了
阿姨相當的自責
請保險公司跟對方接洽賠償事宜
阿姨的車險是 200萬強制險+300萬的第三責任險
結果對方向保險公司的代表要求400萬元和解
但是保險公司的代表(國泰)說我們的肇事責任是七成
但是卻要我們拿出20萬來支付
保險公司只負責380萬
想請教的是 死亡事故的理賠
不是 200萬的強制險 加上 超出強制險的"全部"責任嗎???
300萬的第三責任險不是超過這多出來的200萬嗎?
為什麼我們還得拿出20萬來理賠???
再請教的是 那如果第三責任險不是理賠強制險以外的"全部"責任的話
為什麼要保超過理賠的金額???
感謝保險版各位的指導
在這個版上學到很多
但這個問題因為業務交代的不清不楚
而且跟對方拖了兩個月才解決這問題
而且跟阿姨說保險公司不可能理賠全部的金額
家裡的人都不太相信這個保險員
我只好幫他麼弄清楚狀況
我爬了文又不甚了解所已只好厚顏請教各位大大
真心感謝各位
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