汽車保險如何購買? - 美國
By Hazel
at 2010-08-26T11:32
at 2010-08-26T11:32
Table of Contents
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...
--
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:
美國
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By Rosalind
at 2010-08-30T16:27
at 2010-08-30T16:27
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at 2010-09-03T00:46
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