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標題: 溫哥華有沒有免費諮詢的律師？ [打印本頁]

作者: pocamei 時間: 2010-7-30 01:01 標題: 溫哥華有沒有免費諮詢的律師？

最近發生一個車禍事件，目前暫時還沒有去檢查身體！不過表面上看起來應該還好~
但是，車子倒是損失慘重！
因為車子是一個月左右的新車((連刷卡的錢都還沒有付.....))
加上里程數才只有820公里，
但被撞得右邊兩個車門全毀、車架也歪了些，側邊板都損壞，兩個輪胎也都破了.....
因為是被撞的，對方也已經承認錯誤！表示願意負責！
想問問：
1.雖然有保新車險，但因為保的是AVIVA這家公司的，所以賠償使用原廠零件好像有規定的上限，但因為我們是被撞的，還有這個上限的限制嗎？還是可以要ICBC處理的時候，一定要使用原廠零件呢？
2.有沒有機會可以要求賠償新車？畢竟修過的車子開起來一定不會很順手，加上將來二手車價一定會有影響。
3.外表看起來沒有大礙，我們所有乘客((包括三個大人兩個小孩))都還需要去做什麼檢查嗎？
4.一般肇事者有什麼相關責任嗎？因為當天他雖然留下資料，但放我們幾個人在路邊孤獨的等拖吊車來，車拖走了還得自行步行回家.....實在有點令人生氣~

想請法律相關的人可以幫幫忙~我們現在就像漂在水裡的溺水者.....>"<

作者: Lik 時間: 2010-7-30 01:57

1) Assuming that the other party is at fault, repairs are paid for by the other party's insurance policy.

2) If you had purchased a new vehicle replacement insurance, then there is a chance for you to ask your insurance company to pay you back in full for the vehicle. You wouldn't really need a lawyer to find out whether this can be done or not. Assuming that you have purchase this optional insurance, the best thing to do first is to call up your insurance provider and ask them about it. But I think this new vehicle replacement insurance will only kick in if ICBC deems that your car needs to be written off. Essentially, all this option insurance does is to save you from having to incur any losses on your vehicle due to depreciation.

3) Even if there are no visible / noticeable injuries, it is in your best interest to have everyone checked out by the family doctor. There may be soft issue injuries that you may not be aware of, and some injuries make take up to several days to manifest themselves.

4) The other party really has no responsibilities to look after you once information has been exchanged. After all, it is just an accident. His only responsibility is to provide you with contact information and have his vehicle insurance policy cover for your vehicle repairs, medical costs, etc.

You mentioned that there is frame damage to the vehicle. If that is really the case, then there is a chance that the vehicle will be written off. But at the end of the day, it is really up to the adjuster to decide, based on the extent of the damages to your car.

-Lik

作者: ecwkwok 時間: 2010-7-30 03:45

4) The other party really has no responsibilities to look after you once information has been exchanged....

如果claim amount 係超過insurance o既 coverage, 司機 / 車主應該係要上身架...

作者: Lik 時間: 2010-7-30 12:08

如果claim amount 係超過insurance o既 coverage, 司機 / 車主應該係要上身架...
ecwkwok 發表於 2010-7-30 03:45

True, but ICBC's mandatory 3rd party liability coverage goes to $500k or $1M, right? And don't people usually have more than that?

Unless there are lots of people / damage / serious injuries involved, it seems kind of difficult to go beyond that liability limit wor?

-Lik

作者: 布小熊 時間: 2010-7-30 12:22

4.一般肇事者有什麼相關責任嗎？因為當天他雖然留下資料，但放我們幾個人在路邊孤獨的等拖吊車來，車拖走了還得自行步行回家.....實在有點令人生氣~
pocamei 發表於 2010-7-30 01:01 AM

the other party don't have responsibilty to wait with you or to give you a ride home.... @@
if your insurnace has coverage, you could get a taxi to home and claim it.

作者: pocamei 時間: 2010-7-31 02:50

謝謝大家的幫忙~^^
尤其謝謝Lik迅速且詳細的解說~OTZ~~~
看來要拿回一台新車，大概真的得祈禱ICBC大發慈悲了....
不然車子一拖到修車廠，多半都是估到剛剛好的價錢，
讓我們不能被ICBC判定total loss，而他們又有最大的收益
這樣修車廠才有生意上門吧？^^"((這幾天已經無法順利入眠，導致真的是什麼狀況都猜過了....))
我們會盡快安排家庭醫生為我們檢查的！畢竟有小朋友....^^"
謝謝~謝謝你們！
如果有空的時候，也請幫我們一起祈禱一下吧~^^"
我們現在真的真的很需要一點點的幸運.....

作者: Lik 時間: 2010-7-31 14:27

One more thing:

If you feel sore anywhere, don't just wait it out and think you can let it soreness recover by itself. It is far better to tell your family doctor and ask him to refer you to see a physiotherapist. Then, I'd contact this particular physiotherapist, as I and many of my friends have had very good results from him in the past:

Kelvin Physiotherapy Clinic
(604) 873-8270
Suite 503, 601 West Broadway

ICBC would be paying for initial sessions, depending on how serious your injuries are deemed to be. There is no reason to not seek professional healthcare if you are hurt.

-Lik

作者: pocamei 時間: 2010-7-31 23:53

謝謝Lik~^^~
小朋友果然到今天才敢告訴我，說他當時其實是有頭暈的....
因為小朋友多半都會害怕說這些要看醫生，所以就算有不舒服通常也不敢說^^~
今天是一邊跟他玩一邊說出來的~~~
這幾天連小朋友也都睡不好....^^"
Anyway~謝謝您！有您的幫助真好~^^

作者: pocamei 時間: 2010-8-1 23:44

不好意思~可不可以再請問一下？
因為之前車款是SUV的休旅車，
就是因為家庭人數有需要，所以將原本的小車換大車了~
現在車禍之後，修車廠借給我們用的是小車，
我們可以跟ICBC申訴換大車或是租大車嗎？
有沒有人有這樣的經驗呢？謝謝^^~

作者: Lik 時間: 2010-8-2 00:00

Don't know about the specifics of how courtesy cars work with body shops, but my guess is, body shops generally only have compact or midsize cars available as courtesy vehicles, so you're probably out of luck there. But!!! If you have purchased the optional "loss of use" insurance, then I *think* (meaning I am not 100% certain) you're entitled to a replacement vehicle of the same type as your original vehicle.

-Lik

作者: pocamei 時間: 2010-8-2 23:19

謝謝Lik的回覆唷~^^
不過還是覺得這樣的規定實在很不合理.....^^"
一點都沒有保障到被撞的人的權益.....
唉唉~~~^^"
明明是對方100%的錯誤，
卻連帶我們也要有所虧損、有所不方便.....

作者: tapioca 時間: 2010-8-3 17:41

回復 9# pocamei

From what I remembered from a past experience couple years ago, ICBC only paid certain amount of money (don't remember how much exactly) for car rental during the whole procedure (waiting for adjuster reports, repairing time at autoshop if ICBC decided that it is repairable...etc)

So if you figure that it may take more than a few days, it's better to get a smaller vehicle cuz the rental fee is less than bigger vehicle. When that amount of money used up and your own vehicle is still not really, then the rest of the rental fee goes to you.

I don't know if it is from an optional insurance or just from basic plan, but I remembered we ran into a situation like this so we only stayed with the smaller vehicle in order to spreading out the rental expense.

作者: pocamei 時間: 2010-8-3 23:01

謝謝tapioca的經驗分享唷~^^
不過....越聽。真的越覺得.....
這裡真不是好人的天堂~
守法卻被撞的人，
權益，一定是受損的~~~

作者: Lik 時間: 2010-8-3 23:08

Well, accidents ar mah. Shxt happens la.

Yes, you are inconvenienced, but when the other party is 100% at fault, I don't think you have to pay anything out of pocket yourself. That's already the best case anyone can ask for la.

-Lik

作者: pocamei 時間: 2010-8-5 02:35

^^~可是，如果不是因為他的錯誤，
我想，很多問題就不會產生了，對不？
所以，大家還是都要小心開車嚕~^^

今天跟律師談了一下，還是一樣的答案："車子的部分應該是無法求償了"
可是，有個很重要的，滿１９歲以上的成年人，ICBC會追踨你從車禍發生後的兩年就醫紀錄
((只要你有跟ICBC申報你有因為這場車禍身體不適))((當然，法律追溯期就是這兩年嚕~))
但，倘若是小朋友，就得一直追蹤到２１歳！
只要小朋友在２１歳以前有感覺身體不適是因為這場車禍，
都還是可以跟ICBC求償的~~~
當然，誰都不希望自己的小朋友有任何不妥的狀況！
所以，真的！大家開車真的要多小心！
為了自己，也是為了別人嚕~
還得為了面子，不要讓別人嫌棄說交通變壞都是因為黃種人變多了~~~^^"

作者: pocamei 時間: 2010-8-13 00:58

去了ICBC和調解員聊過了~
不過，她建議是小朋友的部分就先不申報了！
理由是....會需要填很多的單據！
加上小朋友會改由另一個政府機構追蹤到19歲，
說是對我們也很麻煩....@@?
不知道有沒有人有類似的經驗可以分享呢？^^"

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