Claim ICBC or private settlement

AAC

上週在停車場被另一部車碰花前bumper，不算嚴重，報完 ICBC兼驗埋車，所需工+料約$700，如果自己無錯就無需扣$300 墊底。然後對方提議會考慮private settlement。其實有無這個必要跟對方deal ？private settlement 對另一方有甚麼好處 ？會否是對方找到更便宜的body shop幫我修好車 ？對我來說，是否沒有分別 ？不懂箇中有甚麼故仔在其中，ICBC需等多久才有判決，找出誰是誰非 ？請高人指教。

B仔

我以後TOUCHWOOD如果有事，都會CLAIM。因為之前，我做過好人，諗住同錯方搞PRIVATE SETTLEMENT，結果麻煩又唔合理。所以終於都係CLAIM。

shutterbug

no private settlement la...report first, then later you can decide whether to pay it out or make a claim.

meowmeowmeow

no private settlement la...report first, then later you can decide whether to pay it out or make a claim.
shutterbug 發表於 2009-5-8 19:27

aggreed...

AAC

no private settlement la...report first, then later you can decide whether to pay it out or make a claim.
shutterbug 發表於 2009/5/8 19:27

一早報 ICBC，亦驗，只不過對方有這個請求，但唔知private settlement 對相方都有好處嗎 ？

shutterbug

for you, no advantage but disadvantage, unless he pays you extra cash in addition to the repair

for him, his advantage is to take your car to his shop and fix it at a lower cost

jeje

for you, no advantage but disadvantage, unless he pays you extra cash in addition to the repair

for him, his advantage is to take your car to his shop and fix it at a lower cost
shutterbug 發表於 2009-5-8 22:07

Agree. If the other party did not want to raise the next year's insurance, he could buy back the claim from ICBC. It's his own business.

Rainy

AAC, I just had similiar experience ...... the other party insisted to have private settlement but I doubt if that party 會賴貓 lor. 雖然唔係好 serious, 畢竟都係花左. 如果出事時, 你架車係 parking mode 0甘就一定佢對方既錯. 我 reported 左 icbc just in case. 我唔想有咩麻煩野, 對方係架大 truck, 我架只係車仔, 但係為公平起見, 我俾 icbc 幫我處理, 對方可能係好人, 也有可能係爛仔一名, 我點敢因為 幾舊水0黎博啊....  auto 驗埋車，所需工+料約 $800 - $1000, 0甘萬一對方唔肯俾我咪好咩.. 反正我有買 insurance 同又唔係我既錯.


不懂箇中有甚麼故仔在其中，ICBC需等多久才有判決，找出誰是誰非 ？請高人指教。
I called 30 min after the incident and icbc already 判 it's the other party's fault. (depending how the situtatioin was. my car was in parking mode and the other party was just backing up and 碰花my car's前bumper. that guy said he didn't see any 花, then 我咪同佢講數0甘 lor.... 之後佢冇得唔認... 十幾二十對眼幫我做證, 佢冇得唔認. 我如實 reported to icbc,  icbc 話因為我架車係 in parking mode, 一架 parked vechicle 點碰花人地既車)