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I really appreicate your effort in promoting the understanding of the laws, but the firt story is flawed.

本文发表在 rolia.net 枫下论坛Let me try to explain what iswrong in it, in my eyes.
1. You can not find an insurance company who will conpensate for your properties before they make sure who should be responsible for the loss. The no-fault policy only applies for your injuries, which means your own insurance company should pay for your medical expenses if you ask them to do so, whether you are at fault or not in the accident.
2. Even if the insurance company agrees to pay for the property loss, they will not give you a new car right away. You have to have your car estimated at a garage first. If the repair cost is higher than the cost of buying a new car, they will change your car for free, otherwise there is no way for you to get a new one.
3. The owner is the only person responsible for the liability, unless other party has already volunteerily taken the responsibility for the owner. The teenager in the stroy should take the responsibility for the loss. If he is too young to assume that responsibility, the next one you could turn to should be his parents or guardians. IF you can find no one to claim the loss, there is usually a source called Unsatisfied Judgment Fund, which is supposed to protect people in a case like that or more worse hit and run case.

You are right we need to learn more about laws to protect ourselves, but I dont think a story is a reliable source to serve that purpose.更多精彩文章及讨论,请光临枫下论坛 rolia.net
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  • 枫下家园 / 爱车一族 / 车祸发财法 (转)
    本文发表在 rolia.net 枫下论坛车祸发财法

      文/草庵居士

      汽车是美国人的腿,美国的生活里离不开汽车。在我的家,如果我要
    去商场买食品,我就需要开汽车行驶大约15分钟才能到达最近的商店。我
    工作的银团距离我的家更有近50公里的距离,每天开车上班下班需要半个
    多小时,这还是近的。很多美国人上班的距离更是遥远,但程开车 100公
    里是很平常的事情。汽车自然也就成为了美国生活中重要的一部分了。所
    以,会有人说美国是一个建立在车轮上的国家。

      开车自然就会有交通事故,事实上美国的交通事故确实很多。每天在
    高速公路上都能看到程度不同的交通事故。好在每个人都会买保险,有了
    事故就会有保险公司出面赔偿。但有人也是利用交通事故来实现发财梦。
    美国的律师中就有很多专门从事交通事故官司的人。一旦你发生了交通事
    故,马上就会有律师来找你,告诉你不需要任何费用,先带你看病,然后
    帮你打官司。赢了钱,然后双方四、六分成或三、七分成。

      1996年初的一个夜间,我驾驶着新买的林肯高级轿车行驶在洛杉矶60
    号高速公路上,刑事到了哈仙达室的时候,忽然电力全无。因为汽车是全
    部电动系统控制,没有了电力就没有办法运转,方向盘也不能转动。好在
    有几十年的驾驶经验,只好打开紧急灯,慢慢地依靠汽车的惯性向路肩滑
    行。就在我的汽车马上就要靠近路基的时候,一辆马自达跑车以时速八十
    公里的速度撞了上来。一下就把我这没有刹车的林肯撞到了路基下面。紧
    接着又是一声撞击声,我钻出一看,原来又一部道奇轿车撞到了马自达的
    车上。这下好了,三部汽车撞到了一起,有热闹看了。

      我连忙用行动电话报警,然后走到后面的汽车看看是否有人伤亡。只
    见撞我的马自达车中坐着二位老人,还好没有事情,只是有些发呆。我连
    忙劝慰几句,让他们安定下来。然后,我又走到最后面的汽车,还没等我
    走近,就看见一对大约只有十六,七岁的年轻男女钻出汽车,二人紧紧地
    搂在一起,看着没有什么事情。我看了看三部撞到一起的汽车,我的林肯
    因为是豪华车,保护的很好,只是后面的行李箱被撞了进去,中间的马自
    达跑车则是全部报废,车头和车尾全部被撞毁,第三部道奇车也是车头被
    撞毁。

      过了不到三分钟,警车呼啸而至,紧接着是救护车和消防车也开到了。
    警察马上把公路的二个线道封闭了起来,然后勘察现场,询问情况。我也
    将撞我的马自达车和道奇车的驾驶人的驾驶执照,保险号码和汽车牌照抄
    了下来。二十分钟后,警察恢复了交通,我也坐在拖车公司的汽车里,回
    家了。

      第二天一早,我就马上给保险公司打电话,通知车祸经过。到了中午,
    因为我是上的双保险,也就是说,不管车祸是谁的责任,保险公司都要对
    我进行赔偿,所以,保险公司给我送来了一辆新林肯汽车做我的新车,原
    来的汽车就收回了。按说事情到此也就结束了。因为按照一般情况说,我
    的保险公司会代我与车祸的另一方进行索赔,我已经得到了赔偿,我就没
    有什么事情了。

      过了一日,我忽然接到了一位律师的电话,说要为我求偿,并免费带
    我去检查身体。并告诉我说,我将会得到十万美元以上的赔偿。既然有这
    样的事情,我也就顺水推舟答应了下来。

      下午,律师带着二个医生来到我银团,给我检查身体,一查还真有问
    题,我的肩膀有些不舒服,血糖有些高,心脏也不很好。并要求我马上到
    他们指定的医院进行详细检查。我因为没有时间,就拒绝前往,不料,律
    师马上开出三百美元的支票给我,说这是我耽误时间的补偿,坚持我要前
    往医院检查。如此,我也就是说没有办法再拒绝了,只好前往医院检查。

      转天,律师又来到了我银团,拿出一叠文件要我签署,我一看是我委
    托律师要求撞我的马自达汽车主人赔偿的文件,我仔细地看了看,笑着对
    律师调侃说:“你才要求他赔偿我二十万美元,太少了,我的身价可不止
    这些啊,我签名字的文件可都是百万以上啊”。律师一听,忙问:“你的
    年薪多少?”我告诉他:“一百多万美元。”

      律师一听来了精神:“你有没有买人寿保险?”

      “当然买了”我笑了。“多少”律师紧叮了一句“五白万美元”我看
    着他说:“这于车祸有关吗?”

      “对不起,我小看您了,你的赔偿太少了,我需要马上更改,你至少
    应该向他们求偿200 万美元”……

      过了半年,律师又来到了我银团,一见面就高兴地对我说:“尊敬的
    Bill先生,我们赢得了官司,您得到了赔偿 120万美元,根据我们的合约,
    您需要支付我佣金36万美元,这是您应得的84万美元。说着将一张支票和
    一叠文件递给我,请我签字。我看着支票,问律师:”你很有办法啊,但
    这家人怎么能制服的出来这么多的现金呢?”

      律师看着我签字,笑着说:“很不容易啊,您是美国有价值的人,你
    哪里知道我们的辛苦……”

      原来,撞我的人是个美国小老扳,开了几家连锁商店,那天出车祸的
    时候,正于朋友外出,做在车里的是他的老朋友,虽然人没有大的事情,
    但还是向开车的老板提出了控告。根据美国的法律,在你的车上发生了事
    故,你就要对他进行赔偿。好在马自达车主也买了保险,而且对财产也买
    了保险,所以,经过法律程序就顺利地对我和坐在他车里的老朋友进行了
    赔偿。当然,支付赔偿金额的是保险公司。但非常不幸的是,撞马自达的
    年轻学生没有买汽车保险,也没有什么财产,更可怕的是他的父母也是一
    无所有,完全靠美国政府救济生活。结果是这位老先生赔偿了我们而没有
    办法得到别人的赔偿。怎么办呢?

      后来,这为老先生找了一位名律师,律师一听,告诉他放心,一定会
    给他找到办法,让肇事的年轻人赔偿他。说起来这名律师果然有办法,经
    过几个月的调查,查到这位这位年轻学生的汽车是他的一位远房姑妈送的。
    而这位姑妈恰好有一栋价值九十万美元的房子。于是律师就将这名学生的
    姑妈告上了法庭。这姑妈也是丈二摸不着头脑,怎么也不会想到在家中安
    享晚年也会被你控告,于是就请律师答辩。在法庭上,控告方律师提出了
    这样的一个理由:“姑妈身为成年人,应该对事情有预见性。在给远房孩
    子买了汽车后就应该知道他没有钱去买保险,姑妈就应该给买保险,而不
    买保险就是不负责,而且应该预见到会出现车祸,所以,姑妈必须对这个
    事件负责,没有姑妈送的汽车,就不会有车祸。姑妈要负赔偿的责任。

      这姑妈一听,立刻昏倒在法庭上。但法律就是法律。没有办法,只能
    卖掉房子赔偿给马自达车主。更多精彩文章及讨论,请光临枫下论坛 rolia.net
    • 长学问!!
      • 估计你被这么撞一下,也就收到几千刀吧。人家是大牛蛙。
        • 谁?!
    • I do not think this story is possible to happen. I think it a foolishly misleading story.
      First Americans use miles instead of km's. I dear say few Americans know how long a km is.

      Second I don't think the Mazda and the Dodge should take so much responsibility. The accident was caused by Ford/Linchon. The Dodge has no fault.

      Thirdly I don't think the young people's aunt had to sell her house. She could apply for bankrupt and kept her house.

      Finally, why no lawyer worked for the old lady to sue Ford/Linchon? That should be billions' business.

      And I don't think anyone can get money so quickly from a law case. It usually takes several years or decades to get a case finally settled down.
      • You are right. The author always write some articles like this. I think most of what he said is fake.
        • I am much agree with you. The author indeed a bullshit said by other people.
      • 嘿嘿,当个笑话听听罢了,何必如此认真。有点常识的人不会把它当真。
    • 谁愿意来一下?一下可是120万呢,不是RMB,也不是CA$,而是US$啊。Oh,my God,it is a good business.
    • 真可怕。
    • 这个草庵居士什么来头,他的文章初发在哪啊?看了好几篇转他的文了。总是看得将信将疑
      • 请去这里看他的其他精彩文章吧,我也很喜欢看他的作品。 http://www.book-sea.net/search.php?query=%B2%DD%E2%D6%BE%D3%CA%BF&topic=0&what=authors&limit=50
        • 多谢多谢!
    • 今天你犯法了吗?
      写下这个题目, 绝对不是为了吸引注意力. 老早就想写这类的文章与大家共享.

      我们来自一个没有法也不尊重法的社会, 在这个法律多如牛毛, 律师遍地的国家, 当你签下I ACKNOWLEDGE ...你可真的ACKNOWLEDGE.

      上面的故事绝对可信. 另一个CASE如下.

      A拥有自己的BUSINESS和房产. 有个朋友来住在家里. A要出差一段时间. 临走时, 把车钥匙给了朋友, 再三强调, 这车没有保险, 如果你要开, 一定要去买保险.
      朋友住了三个月, 也没用这车. 后来决定实用, 在开车买保险的路上, 撞到了一辆BENZ. 里面的妇女声称GET HURT.

      最后, A卖了BUSINESS和房产给了赔偿. 在这个事件中, 她的朋友是没有责任的.当然, 出于内疚, 朋友每月付她60元. (因他没钱)

      所以, 建议大家懂点基本的法律常识, 千万别用国内的"常识" 去ASSUME.

      当然, 你也可用法律保护自己.
      • You case is true in that A is the owner of the car, but the story above is definetaly false because too many apparently unreasonalble details. It is just a sensational story.
      • 不是说这里第一不要向别人借钱,第二不要向别人借车么……hoho,饺子玩完回来啦?写个游记如何?
        • 好, 会写的, 等倒过来时差...嘿嘿...
      • I really appreicate your effort in promoting the understanding of the laws, but the firt story is flawed.
        本文发表在 rolia.net 枫下论坛Let me try to explain what iswrong in it, in my eyes.
        1. You can not find an insurance company who will conpensate for your properties before they make sure who should be responsible for the loss. The no-fault policy only applies for your injuries, which means your own insurance company should pay for your medical expenses if you ask them to do so, whether you are at fault or not in the accident.
        2. Even if the insurance company agrees to pay for the property loss, they will not give you a new car right away. You have to have your car estimated at a garage first. If the repair cost is higher than the cost of buying a new car, they will change your car for free, otherwise there is no way for you to get a new one.
        3. The owner is the only person responsible for the liability, unless other party has already volunteerily taken the responsibility for the owner. The teenager in the stroy should take the responsibility for the loss. If he is too young to assume that responsibility, the next one you could turn to should be his parents or guardians. IF you can find no one to claim the loss, there is usually a source called Unsatisfied Judgment Fund, which is supposed to protect people in a case like that or more worse hit and run case.

        You are right we need to learn more about laws to protect ourselves, but I dont think a story is a reliable source to serve that purpose.更多精彩文章及讨论,请光临枫下论坛 rolia.net
        • No-fault only applies in Canada. In US, auto insurance works totally differently, you will have to ask the other person's insurance company to compensate you if it's not your fault, unless he or she doesn't have auto insurance.
      • thanks for your kind advice.