Just hit, or they said total loss
Don't sign on the roadside. People, the car, and a write-off are three talks.
Get people out of the lane first. Compulsory insurance does not pay for your dents. After the repair, the car can still be worth less. If they say write-off, separate total loss, the wreck's leftover value, and the loan. That is not the motor vehicle office scrapping the plate.
- 01Just got hit. Get people out of the lane. Don't sign yet.Deal with the people and where the cars are sitting. The fault split is not decided in the notes app on their phone.0/3 done
- 02Compulsory insurance covers people. It does not pay for your bodywork.Injury goes through compulsory automobile liability insurance. Dents, and your own repair bill, are another contract. Or you never bought that one.0/3 done
- 03It's repaired. The piece of the price that didn't come back.The repair bill, the depreciation they take off new parts, and the drop in what the car will sell for are three different numbers. Looking clean from the outside does not mean the market price came back.0/3 done
- 04The insurer says write-off. Split total loss, what's left of the wreck, and the loan.What people on the road call a write-off is usually a total loss, or a constructive total loss, inside the policy. That is not the motor vehicle office scrapping the car. Don't stamp those as the same thing.0/3 done
- 05Before you sign the settlement, circle three things.The amount, what it covers, and whether you can ask again. Diminished value, a rental, rehab that never got written in can all get buried in one sentence.0/3 done
I'm not a lawyer, and I'm not a mediator. I can't decide this for you. The statute that counts is the one still in force. Judgments live on the Judicial Yuan site.