透过马驰法拉利事件讨论车祸的【赔偿问题】

老鼠爱小米

首先，如果马驰还活着，他肯定是被索赔方。但是，很不幸肇事者死了。那么，赔偿问题就复杂了。
1，德士司机。如果德士司机活着，马驰的保险公司是赔定了。可是现在2位都去世，德士司机的家人，他们能否从这起夺命车祸中得到赔偿？毕竟，德士司机是家里的经济支柱。
2，德士车上的日本乘客。她做为乘客，消费者，能否向德士公司索赔？
3，法拉利女搭客。她由此造成的医疗费、如果伤残了将来的生活费，如果伤残了的伤财赔偿费，是否可向马驰的保险公司索赔？
4，马驰的老婆和孩子。他们是否可以向马驰的车险公司索取赔偿？
5，肇事车法拉利。这辆车肯定有投保，如今车子没了，保险公司是否赔偿车子？

这里只讨论【赔偿】，不讨论人品问题，请别上纲上线给马驰戴一大堆高帽子。咱们就事论事，不做人参公鸡。

无缘走近u

现在最伤心的应该是保险公司。

WAYNEWEI

不是保险专家。不过报纸没提到德士司机家人会获得赔偿。估计是没有

WAYNEWEI

2。应该不是徳士公司责任吧？

无缘走近u

170万的法拉利 得投多少钱的保险啊？这得等专业人士啊。

WAYNEWEI

那位保险专家出来说明一下？

无缘走近u

这件事充分说明了买一份意外保险还是很有必要的。

bigmice

德士司机没买意外保险，所以没的陪。
如果德士公司有给员工买的话，会得到一定赔偿。

neoshock

1. 德士公司向马驰保险公司索赔车辆的损失。德士司机家人向马驰保险公司索赔生命的损失。
2。德士女乘客向德士保险公司索赔，德士保险公司再向马驰保险公司索赔。
3。马驰女乘客向马驰保险索赔，也可民事起诉马驰.(马驰已过世,可能从他的遗产索赔).
4. 马驰的家属应该可以向保险公司索赔。
5。车子是限量版的，可能赔钱不赔车。

4. 和5. 可能都不赔。看到今天的报纸报道， 有些豪华跑车的保险只赔第三者。（本身不赔，只赔对方索赔）。

eastman47

无缘走近u 发表于 17-5-2012 20:25
现在最伤心的应该是保险公司。

车险每年至少 $30k.


Thursday, May 17, 2012
AsiaOne

Insurance for supercars cost at least $30K

Not only do few insurers in Singapore offer coverage for million-dollar supercars like Ferraris and Lamborghinis, the insurance policies do not come cheap.

In a report in the Straits Times today, insurance brokers and importers of high-end cars said that the annual premium for Ferraris can start from as high as $30,000.

Compared to a medium-sized Japanese family sedan, the premiums for a supercar are almost 30 times more.

Despite the difference in cost and make of car, the same procedures apply when claims are made.

Companies such as AXA Insurance, Libery Insurance and Chartis are one of the few insurance providers that cover supercars.

NTUC Income is one of the insurers who do not provide insurance coverage for this particular segment, according to checks made by The Straits Times.

Vice-president of branding and public relations Karen Yew said that NTUC Income prefers to focus on the needs of a mainstream market.

Owner of workshop Harmony Motors Mr Joey Lim, 45, told The Straits Times that repair bills of supercars can be costly if certain components or spare parts have to be imported.

This may not be easy for rare models like the Ferrari 599 GTO involved in the accident last Saturday that claimed three lives.

The supercar that hit a ComfortDelgro taxi cost about $1.4 million and was sold to a select few in Singapore as it had a limited production run.

Vehicle sales executive Desmond Lim who works at parallel importer Executive Automobile, which sells around 10 Ferraris a year, said: "It's impossible to find parts for a GTO in Singapore."

If a replacement car cannot be found, the insurer may opt to pay the owner the car's worth in cash, or, in the event he is not alive, to his estate.

The Straits Times said that the supercar in the accident was insured by AXA.

According to the Land Transport Authority, 17 new Ferraris were registered here as of March this year. A total of 4,149 Porsches, Maseratis, Ferraris, Lamborghinis and Aston Martins were registered here last year. This is up from 3,376 the year before.