메디케어 (Medicare)



이재환 파머스 종합보험은 메이저 보험 대행사로서 샌디에고 교민 여러분들에게
무료보험상담을 운영합니다.


직접 상담을 원하시는 분은 전화번호 1-858-650-0300 로 문의하여 주셔도
상담가능합니다.


이재환 파머스 보험
7825 Engineer Rd. Suite 205-C ( 성모병원 건물 2층 ),
San Diego, CA 92111


Tel: 858-650-0300
Fax: 858-650-0308


E-Mail :
jhlee1561@yahoo.com 또는
jlee11@farmersagent.com

3. 접촉사고, 가해자가 발뺌하는 경우에는

한숨 0 3126
아래 글을 써서, 도움을 받았던 사람입니다.
말씀하신데로 제 보험사를 통해서 자차 수리를 먼저 받았습니다.
수리, 렌트를 포함해서 총 $1600 (Deductible $1000)나왔습니다.
그런데 아래와같은 메일이 왔네요.
Subrogation이 안된다는건지 된다는건지 의미가 자세히 이해가 되지않아서, 다시 조심스레 여쭤봅니다.
조언 충고 부탁드립니다.


Your claim was turned over to the subrogation department to determine the potential for collection from a responsible party. After careful review, the material facts of this loss are such that a recoverty is not possible.

Your policy of insurance gives our company the right of subrogation. This means that we may recover money we pay out due to the fault or negligence of someone other than our insured. It is a very important aspect of insurance that helps control expenses and preminums.

At this time we are closing the subrogation portion of our file. However, this decision does not prevent you from pursuing your deductible interest directly against any party that might be responsible for causing your loss. This does not impact payments owed to you for convered damages, only our ability to recover from the person responsible for causing the loss.

While we are not able to return your deductible to you, we hope you have been satisfied with the overall claims service probided by all of us at Mid-Century Insurance Company. Should you have any questions regarding subrogation, please contact me at .... .
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