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行駛中,重物砸車,保險如何理賠

加州面積廣闊,高速公路系統發達,所以大部分居民喜歡自駕出行。高速公路提高了人們出行速度的同時也造成了很多意外的發生。

許多時候發生意外並不是車與車的直接碰撞,而是駕車過程中碰撞到了其他的東西,造成事故。例如在5號公路或者Longbeach等地,公路上行駛著許多卡車,在行駛過程中由於震動或者安全措施沒有做好,導致後門打開,貨物掉到道路上,時常造成交通意外。

 如果遇到此類意外如何處理呢?

對於這種事故,保險公司一般按照以下兩種情況處理:

  1. 貨物從前車或者天橋上掉下,直接砸到車子,保險公司認為不是你的錯誤,如果找不到責任人。全保的情況下,最多自己付自付額,不會計算點數,來年保費不會增加。如果只有責任險,修理費用自理。
  2. 重物是先掉在地上,來不及閃躲撞擊或碾壓過去造成車輛的損傷,找不到前車的話,保險公司會認為是車主的責任,因為沒有保持相應的距離。全保保險公司可以理賠,但是會算1個點,續保時保費會增加。

我們這裡奉勸大家,如果遇到路面有前車留下的東西:

  1. 不要突然的更換車道躲避,避免造成更大的車禍,應該減速慢行。
  2. 如果不慎碾壓到物品,盡快離開高速公路,到安全的地方檢查車輛安全後再繼續行駛。
  3. 報警通知警方來處理事故現場,避免更多的車輛受傷。

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