First of all, is it really unaffordable? How expensive is it if you can't afford it? Rolls-Royce is very expensive, from the cheapest 4 million to the most expensive1.200 million, so how much will it cost to repair?
High maintenance cost
For your reference, the cost of replacing a front bumper is 2 14230 yuan, and the cost of working hours is 13500 yuan. The left front fender is part of the circle above the tire and slightly concave.
If you want to change a new 289740 yuan, the working hours will cost 25000 yuan. It's more expensive than my car anyway. If you accidentally hit it badly, why is it flat or something? It's millions.
Determine the compensation amount according to the accident responsibility.
How much to pay depends not only on how expensive the repair is, but also on whether the responsibility is divided correctly. Basically, there are full responsibility, no responsibility, primary responsibility, secondary responsibility and joint responsibility, right?
If from low to high, no responsibility is 0%, then those above it are 30%, 50%, 70%, 100%, then if it is a secondary responsibility, that's it.
The insurance company pays compensation according to the amount of the three insurances.
Therefore, it is necessary to calculate it. It shouldn't scare you to death. This first calculation may solve this problem. How to solve the problem? The most common way is to find an insurance company.
How much can the insurance company bear? The maximum amount of compulsory insurance for property damage is 2000 yuan, which is not counted. It is definitely not enough. The core is mainly to look at the third party liability insurance.
Our quota is usually 50,000 to 6,543.8+0,000, and generally it is 500,000 to 6,543.8+0,000, depending on the insured amount and the repair fee. As I said just now, it is 200,000 to 300,000, and the two parts add up to 400,000 to 500,000.
The part other than the three risks should be solved by yourself.
Then if I buy myself a third party liability insurance of 6.5438+0 million, it will be all right, and the insurance company will solve it all, which is no different from a normal traffic accident.
But if I insure 500 thousand, many friends buy 500 thousand of the three, right? Its repair cost is 550 thousand, and we will solve the extra 50 thousand ourselves
What if you really can't afford it?
There is a case online. A sign 307 hit a Rolls Royce, which was repaired by 2.4 million yuan. Another 2.4 million has been discounted. One person bears the same responsibility1.2000 yuan, third party liability insurance claims, plus compulsory insurance 502000 yuan.
Isn't there 2000 yuan? Well, there are still 700 thousand to pay by themselves. This 700 thousand is not for everyone. Even if you find a big boss, you may not be able to take out your card and take out 700 thousand today.
Consult with each other
What if you can't afford it? The first thing is not to lie on the ground and cry, but to negotiate with each other. It depends on luck. If you meet a real local tyrant, or he happens to open a room outside with a secret behind his wife's back today.
Right? Don't tell me if I don't tell you. If I don't tell your story, if you don't tell my compensation, maybe things will go away.
Well, basically, people want you to lose money After all, people's money doesn't come from water. No matter what skills they have, they work hard and basically have to pay them back.
If it is not paid in one lump sum, you can sign an agreement first and let the other party pay the money first. After all, people who buy Rolls Royce have a better way to pad it than we do, right? Let the other person pad it first, and then pay it back when you have money.
Maintenance point price comparison and bargaining
Then there is another one, where did you fix it? Is there a cheaper place to repair it? Go to the maintenance point to bargain.
Luxury cars are well maintained. Ferrari will charge you 38,000 yuan for changing the wiper here, and 3800 yuan for that place will give you two bottles of fuel treasure. Maybe everything is the same.
At this time, it is already worth 700,000 to 800,000. You can ask even if you don't know the car. If you really can't, just talk to a few friends who know cars. Maybe the maintenance fee itself can be reduced.
It's not that 1 10,000 has become 1 10,000, but that 1 10,000 can't be reduced to the coverage of 500,000 third-party liability insurance, so I don't have to pay for it myself. In insurance companies, it's probably like this.
The other party directly files a lawsuit or lawsuit.
Another situation is that people don't tell you about it or the repair shop doesn't tell you, as if nothing had happened.
When you think people just forget it, you may be sued if you suddenly receive a letter from a lawyer next Tuesday.
It's not a criminal case. I won't go to jail.
It's a little scary, don't worry. This is a case of civil compensation and economic compensation. It's not a criminal case. I won't go to jail.
First, calm yourself down, and then the court is generally too lazy to pass this stuff. Basically, we don't negotiate first, and then tell us what will happen after the lawsuit is over.
If the negotiation fails, the court will lose money immediately if it enforces it, which will also take into account the living conditions of our clients.
Court enforcement will consider the living conditions of the parties.
For example, I own a house, which doesn't mean that I will drive all the people inside, my parents, my wife and children out of the house and sell them. It's not that scary
As long as the house you buy is not a villa, it will not be auctioned if it does not exceed the standard. It just means that he will freeze you. You can't sell this house because you still owe money to others. That's about it.
Then, when you want to implement it, how much will you pay each month? He will arrange it for you. Before you transfer the money, the bank will directly deduct it from you. That's about it.
Let the other party apply for "subrogation"
Another is that the other party is very unhappy and we have no money, and then the owner just bought a piece of land to build a building, and he has no money. What should I do?
Find an insurance company to apply for subrogation, then we will deal with the insurance company in the future, and the owner will just repair the car himself.