回複：車禍後保險索賠的問題。誠心請教。謝謝！

The deal sounds fair. You need to take defensive driving lesson. You should never do what you did in any intersection. Even when you are the first car to get green light after you had complete stop, you need count three and then get going. Life is no money that can buy. Learn this as a lesson and you should also feel lucky that you did not get body injury.