请问这个责任会算到我头上吗

jackliu2008

simon319 发表于 2016-12-14 23:12
保险跟车的话为什么发生事故要交换驾照呢？怎么不拍个车牌就走？保险跟车走为什么要在乎什么list不list d ...

1 为了记录事件
2 车又可能没有经过车主同意 比如偷窃的车
3 为了更好的计算概率和保险费

这跟谁负责任有和关系？

simon319

jackliu2008 发表于 2016-12-14 23:23
1 为了记录事件
2 车又可能没有经过车主同意 比如偷窃的车
3 为了更好的计算概率和保险

第三点我没看懂，age excess/ Inexperience excess是“为了更好的计算概率和保险”？

simon319

jackliu2008 发表于 2016-12-14 23:23
1 为了记录事件
2 车又可能没有经过车主同意 比如偷窃的车
3 为了更好的计算概率和保险费

There's a little bit of information that is wrong, and missing from this response.
I've worked in insurance motor claims, in both recoveries (where we chase the responsible person) and settlements (where we pay for the damages) for just over 10 years, and have appeared in court on a regular basis presenting evidence of claims before magistrates.
Firstly, driving someone else's vehicle is ALWAYS a risk. It is my suggestion that you only drive the vehicle of someone who is a very close friend. I have seen situations where someone has an insurance policy, which would cover the friend driving, where the policy holder has refused to lodge a claim against their policy, meaning the driver is responsible for every cent of the "Not at Fault" vehicle.
If you want to drive someone else's car, make sure that they don't have a specified person policy, and that there aren't any additional excesses which might apply due to being unlisted, or due to your age, or experience of driving (usually insurers have an "Inexperienced Driver" Excess for drivers over 25 years, with less than 2 years driving experience).
The most important thing to know is that unless you are driving for your employer, that if found "At Fault" for an accident that you are personally responsible, the owner of the car is absolutely NOT responsible. If there is no insurance, or if your friend refuses to lodge a claim, then the "Not At Fault" party/ies can pursue you personally, including taking court action if you don't pay which can then affect your credit rating if a judgment is recorded.
ALSO... Read your own insurers PDS (Product Disclosure Statement) and Policy Wording (These are sometimes different things)... Make sure you know what you are covered for. I see too many claims declined over silly things, because people don't know about the specific conditions in their insurance.. And usually really easy things to comply with.. It's not there to trick you, its there to protect the insurers risk, and like anything, if you don't like the condition, find an insurer who don't have that specific condition.
There's an old saying in insurance, that you wouldn't buy a pair of jeans that doesn't fit you, so why would you buy an insurance cover that doesn't protect you?
Anyway.. I think my advice is over.. If there's anything else you want to know, ask away.

http://www.lifehacker.com.au/201 ... -someone-elses-car/

jackliu2008

simon319 发表于 2016-12-14 23:25
第三点我没看懂，age excess/ Inexperience excess是“为了更好的计算概率和保险”？ ...

等楼主更新吧 看看账单发给谁了

jackliu2008

simon319 发表于 2016-12-14 23:31
There's a little bit of information that is wrong, and missing from this response.
I've worked in  ...

有不同的看法

simon319

jackliu2008 发表于 2016-12-14 23:47
有不同的看法

"if the driver is your agent"，这点在楼主这儿不满足，而且即使在这个情况下driver还是equally responsible

jinglin08

更新结果
第一 责任归司机  
第二 我问了熟悉的律师  他说比较极端的一种情况就是 这个司机车祸中死了 那么车主会有一些麻烦 具体怎么样 那就要法官来判了
第三 这是个小车祸  这个司机自己都忘记了  直到对方保险公司的账单寄来。才1500.   

虎痴

出事时谁是司机谁负责，不管车在谁的名下，
这个跟国内不同，国内出事时即使不是车主在开，车主也要付连带责任，你没看国内很多帖子教大家如何找理由不把车外借嘛

大菠萝2代

法律上是他的责任。但是你要拿出证据，证明确实是他开的车。

civ

学习了，一直以为是跟车的。

sigh

sydney22 发表于 2016-12-14 18:50
保险是跟车的，既然没有保险他又不肯承担，保险公司肯定会找到你头上。之后你们两个有的搞了。 ...

他开车，出了事他不承担，那不是做梦呢吗？不承担，就扯皮，然后就当被告呗。这事故跟楼主有啥关系？

wmwbull

jinglin08 发表于 2016-12-14 19:36
有证明的 车祸对方记录B的信息

你有连带责任。。。