请问: 车祸保险一般什么时侯陪

michael2009 · 发表于 2010-4-22 19:33

从小公司买的车保险, 已经20天了. 车是贷款买的每月付钱给银行, 已经付了3year, 还有2year. 保险公司突然说我们是租的车, 提供了发票也没用. 卖车的人帮我们打了电话,没人接, 请问高人该怎么办?

八十年环游地球 · 发表于 2010-4-22 19:58

看不懂。你是说你出车祸了是吗？然后保险公司说不给赔？什么租的买的，买保险时不是给这个车保的吗？！

michael2009 · 发表于 2010-4-22 20:24

出车祸了已经20天. 保险公司给赔但突然说我们是租的车,他们要把钱give to银行

八十年环游地球 · 发表于 2010-4-22 20:31

你的车坏到什么程度？还能修吗？你的责任？能修的话就去BODYSHOP估价，报给保险公司，通过后保险公司就让你去修，钱是给BODYSHOP的啊，给银行干嘛。

michael2009 · 发表于 2010-4-22 20:40

车不能修,已经报废了.很心痛. 新车啊. 遇到这保险公司.....

八十年环游地球 · 发表于 2010-4-22 20:44

那我明白了。你这车是贷款的，还没还完，所以是抵给银行的。你现在车报费了，银行的抵押物没了，所以要把钱先给银行。银行扣了你没还完的部分，剩的是你的。应该就是这样了。

michael2009 · 发表于 2010-4-22 20:53

why公司突然说我们是租的车, i called them, they said may be there was a mistake, but they still asked us to provide a lot of document to proof that we bought that car. after receiving our document , they do not pick us phone up. it why i am so wondery.

八十年环游地球 · 发表于 2010-4-22 20:59

不接电话是奇怪。那明天再接着打吧。什么公司这是。

八十年环游地球 · 发表于 2010-4-22 21:00

另外，你人没事儿吧。还能上网，没事儿就万幸了。总会解决的。

michael2009 · 发表于 2010-4-22 21:25

thanks very much. 人没事. 公司是canadian direct insurance

高枕无忧1 · 发表于 2010-4-22 21:43

call centre type insurance company such as TD, canadian direct insurance sucks.

ycy123 · 发表于 2010-4-23 05:23

付给银行没错啊，不然你不是还得每个月付给银行钱吗,问题是车子估价估了多少，多出来的那部分，银行会退给你的

michael2009 · 发表于 2010-4-23 10:51

my question is why they said 我们是租的车, 明明车是我贷款买的

urspace · 发表于 2010-4-23 12:16

my question is why they said 我们是租的车, 明明车是我贷款买的
& N9 q! }# P3 P- P& d1 {/ k- umichael2009 发表于 2010-4-23 11:51

租的车means Lease

明明车是我贷款买的 means Finance

So, did you lease the vehicle or finance?

michael2009 · 发表于 2010-4-23 12:25

finance

水晶思维 · 发表于 2010-4-23 20:42

没有付清贷款的车和房子，bank has a lien on it.所以有没有可能楼主听错了？如果不是听错了，买的车变成了租的车，还真不知道是怎么回事。
楼主的车既然已经total loss，那在评估报告上一定有adjuster的名字和联系方式，你可以直接和他联系，如果多次留言不回电话，可以找supervisor投诉，很快就会有回音，通常也就是两三天的事。

michael2009 · 发表于 2010-4-24 10:37

At beginning, the adjuster contacted with us very well, even she told us how much they would give to us. a few days later, she told us suddenly that We were leasing the car, they had to give the money to bank. we were so surprise and we provided the sale of bill. she still asked us to provide sale agreement. we were so luck that the sale car person still works. he called the car insurence and bank. he left the message, we tried to call her many times and untill today, nobody gives us any answer.

荠荠菜 · 发表于 2010-4-24 11:56

他要AGREEMENT，你就给他传过去看不就得了。难道你没有合同？

michael2009 · 发表于 2010-4-24 22:23

the sale person told us that sale of bill and sale agreement is same thing, I sent to them a few days ago already.

水晶思维 · 发表于 2010-4-25 07:30

既然没有疑问现在，打电话给她的supervisor看看吧。

michael2009 · 发表于 2010-4-28 15:30

thank 水晶思维 very much. could you tell me how to know their supervisor phone number? today, I received a E-mail from this campany that they told us the adjustor is away now, they found our name is one the Ford Credit list. we never hearnd this name before and I don't have any idea how to deal with them again.

水晶思维 · 发表于 2010-4-28 21:38

thank 水晶思维 very much. could you tell me how to know their supervisor phone number? today, I received a E-mail from this campany that they told us the adjustor is away now, they found our name is o ...
F3 o7 M' Z4 D2 R4 g7 N6 C; Tmichael2009 发表于 2010-4-28 16:30

如果你有原来的adjuster的电话，打过去，问谁负责你的case，通常报上你的claim号，就有人告诉你现在谁负责你的案子，还有，只要有人接电话，你就说你的case拖很久了，要求和supervisor说话，他们就会转给supervisor或者给你他的名字和电话。

michael2009 · 发表于 2010-4-29 12:57

thanks very much

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