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กรณีหากเกิดอุบัติเหตุรถยนต์ชนกันแต่ตกลงกันไม่ได้ เพราะอีกฝ่ายไม่ต้องการให้เรียกบริษัทประกันภัย ต้องการแค่ค่าปลอบขวัญเท่านั้น ส่วนฝ่ายที่มีประกันภัยก็ต้องการให้บริษัทประกันภัยมาเคลียร์ให้ จริงๆ แล้วหากเกิดเหตุอุบัติเหตุรถชนกันในลักษณะแบบนี้  โปรประกันขอแยกการเคลมเป็นกรณีดังนี้นะครับ

1.กรณีที่รถชนกันมีประกันภัยรถยนต์ทั้งสองฝ่าย

1.1 เมื่อเกิดเหตุชนกันและตกลงกันได้ ให้ต่างฝ่ายต่างโทรแจ้งเคลมเรียกบริษัทประกันภัยของตนมาตรวจสอบอุบัติเหตุที่เกิดขึ้น ถ้าตกลงฝ่ายผิดฝ่ายถูกกันเรียบร้อยบริษัทประกันภัยของแต่ละฝ่ายจะออกใบเคลมให้ผู้เอาประกันภัย เพื่อไปดำเนินการจัดซ่อมและเรียกร้องสินไหมทดแทนต่อไป

1.2 ไม่สามารถตกลงกันได้ว่าฝ่ายใดผิด ฝ่ายใดถูก หรือประมาทร่วม ก็ต้องเรียกเจ้าหน้าที่ตำรวจมาตรวจสอบพิสูจน์สถานที่เกิดเหตุ จากนั้นตำรวจจะชี้สรุปแจ้งทั้งสองฝ่ายให้ทราบว่าใครผิดใคร ใครถูก หรือประมาทร่วม เพื่อให้บริษัทประกันภัยของทั้งสองคันเคลียร์กันตามความเสียหายที่เกิดขึ้น

1.3 ตกลงกันได้แล้วแต่ฝ่ายถูกไม่ได้โทรเรียกบริษัทประกันภัย  ส่วนฝ่ายผิดได้โทรเรียกบริษัทประกันภัยมาเคลียร์ บริษัทประกันภัยที่เป็นฝ่ายผิดก็จะออก ใบเคลมให้คู่กรณีที่เป็นฝ่ายถูก ถ้าฝ่ายถูกมีประกันภัยประเภท 1 หรือประเภท 5 (2+,3+) ให้นำใบเคลมที่บริษัทประกันภัยคู่กรณีที่เป็นฝ่ายผิดออกให้ ไปติดต่อกับประกันภัยของตนเพื่อแลกเปลี่ยนใบเคลมดำเนินการจัดซ่อมกับประกันภัยของตนต่อไป

และฝ่ายถูกสามารถเรียกร้องค่าขาดประโยชน์จากการใช้รถเพิ่มจากฝ่ายผิดได้อีกด้วย  เพราะในขณะนำรถไปซ่อมนั้นอาจมีค่าใช้จ่ายที่เกิดขึ้น เช่น ค่าแท็กซี่ ค่ารถไฟฟ้า เป็นต้น  แต่ทั้งนี้ต้องขึ้นอยู่กับดุลยพินิจของบริษัทประกันภัยฝ่ายผิดว่าจะอนุมัติจ่ายในจำนวนเท่าไหร่นะครับ

2.กรณีที่รถไม่มีประกันภัยรถยนต์ ชนกับรถที่มีประกันภัยรถยนต์

2.1 ทั้งสองฝ่ายตกลงกันได้ รถที่มีประกันภัย เป็นฝ่ายผิดให้โทรแจ้งเคลมเรียกประกันมาเปิดเคลมให้ ถ้ารถที่ชนมีประกันภัยภาคสมัครใจที่คุ้มครองความเสียหายต่อตัวรถ (ประเภท1 ,2+,3+)  เป็นฝ่ายผิดประกันภัยก็จะออกใบเคลมให้รถคู่กรณีและรถประกัน  คู่กรณีสามารถนำใบเคลมไปติดต่อเรียกร้องค่าซ่อมรถ ค่าขาดประโยชน์จากการใช้รถ จากบริษัทประกันภัยได้

ถ้ารถที่ถูกชนเป็นรถที่มีประกันและเป็นฝ่ายถูกจะใช้สิทธิเคลมกับประกันภัยของตน หรือจะเรียกร้องค่าสินไหมทดแทนจากคู่กรณีโดยตรงก็ได้  แต่ถ้าเรียกร้องค่าสินไหมทดแทนจากคู่กรณีแล้ว ก็ไม่สามารถที่จะเรียกค่าสินไหมทดแทนจากบริษัทประกันภัยที่ตนทำไว้ได้อีก

2.2 หากฝ่ายผิดเป็นรถที่ไม่มีประกันภัย และฝ่ายถูกเป็นรถที่มีประกันภัย บริษัทประกันภัยจะเข้ามามีบทบาทเป็นตัวแทนของฝ่ายถูก ในการเรียกร้องความเสียหายที่เกิดขึ้นจากคู่กรณี และรถคันที่ทำประกันภัยไว้สามารถนำเข้าซ่อมอู่ของบริษัทประกันภัยที่ได้ทำไว้ โดยไม่ต้องกังวลว่าคู่กรณีจะจ่ายหรือไม่จ่ายค่าเสียหายที่เกิดขึ้น

2.3 กรณีประมาทร่วม (ผิดทั้ง 2 ฝ่าย) ฝ่ายที่มีประกันภัย รถยนต์ประเภท1 หรือประกันภัยประเภท 5 (2+,3+) ให้โทรแจ้งประกันภัยมาเปิดเคลมให้ เพื่อดำเนินการจัดซ่อมกับประกันภัยของตน  อาจจะตกลงให้ต่างฝ่ายต่างซ่อมรถของตัวเอง ในส่วนของรถที่มีประกันภัยก็จะเสียประวัติดีในปีถัดไป ส่งผลให้เบี้ยประกันภัยอาจจะปรับเพิ่มขึ้น รถที่ไม่มีประกันภัยก็ต้องรับผิดชอบค่าใช้จ่ายที่ดำเนินการซ่อมเองทั้งหมด

3.กรณีที่รถชนกันไม่มีประกันภัยรถยนต์ทั้งสองฝ่าย

3.1 ตกลงกันได้ ฝ่ายผิดต้องต้องยินยอมชดใช้ค่าจัดซ่อม ค่าขาดประโยชน์จากการใช้รถ ค่าเสื่อมราคารถยนต์ เสียเวลาให้กับคู่กรณีตามที่ตกลงกันไว้

3.2 กรณีประมาทร่วม ตกลงกันไม่ได้ฝ่ายไหนผิด ฝ่ายไหนถูก อาจจะตกลงให้ต่างฝ่ายต่างซ่อมรถของตัวเอง

จะเห็นว่ารถที่ทำประกันภัยรถยต์ภาคสมัครใจไว้ (ชั้น 1,2,2+,3,3+) บริษัทประกันภัยจะเข้ามามีบทบาทไม่ว่าจะอยู่ในฐานะฝ่ายผิด ฝ่ายถูก หรือจะประมาทร่วมก็ตาม

ในขณะเดียวกันรถยนต์ที่ไม่ได้ทำประกันภัยรถยนต์ภาคสมัครใจไว้ก็ต้องเตรียมพร้อมและยอมรับกับค่าใช้จ่ายที่เกิดขึ้นเอง แต่อย่าลืมนะครับว่าไม่มีใครรู้ว่าความเสียหายที่เกิดขึ้นในอุบัติเหตุแต่ละครั้งจะมีมูลค่าเท่าไหร่ นั่นเป็นเหตุผลว่าเราควรทำประกันภัยรถยนต์เพื่อให้บริษัทประกันภัยรับความเสี่ยงไปแทนเรานั่นเองครับ


น้องกันเอง

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