Do you still have to pay for the car repair with full insurance, and do you have to pay for the car

1. Different insurance companies will have different claims procedures, but most of the basic steps of claim settlement are the same, and the basic process includes: reporting, surveying and assessing damages, signing and reviewing claim documents, adjusting and reviewing, approving, and closing the case.

2. If the insurance company has accepted the case, whether you need to pay out of pocket, it is recommended that you call the other company** to verify the case.

The insurance company will not compensate the person for the repair fee.

However, if the vehicle is insured for damage.

If the car owner is fully responsible for the damage caused by the accident, contact the insurance company for review, and the insurance company will bear the corresponding compensation, but it may not be possible to get the full compensation for the repair fee. In addition, if the owner is only insured with compulsory traffic insurance and third-party liability insurance.

However, if you do not buy car damage insurance, the insurance company will not pay for the repair of the car. Therefore, car owners should understand the coverage of different types of insurance when applying for car insurance.

Vehicle damage insurance refers to a kind of automobile commercial insurance that causes damage to the insured vehicle caused by an insured accident while using the insured vehicle by the insured or its permitted driver, and the insurance company will compensate within a reasonable range.

Car damage insurance and third-party insurance are vehicle insurance.

The basic insurance mainly compensates for the loss of the insured vehicle and the loss caused by the insured vehicle to a third party in use.

It takes time to settle claims, and the car owner cannot get the compensation immediately, so it is often necessary for the car owner to pay in advance and then settle with the insurance company. But there are also cars that can be driven to a designated repair shop or 4S shop for repair, and then as long as you wait for the relevant procedures when picking up the car, the repair shop or 4S shop is directly with the insurance company to settle the bill.

The basic insurance is divided into vehicle damage insurance and third party liability insurance.

Full vehicle theft insurance, vehicle personnel liability insurance.

Motor vehicle insurance is a kind of insurance that uses motor vehicles such as automobiles, trams, battery cars, motorcycles, and tractors as the subject of insurance. Motor vehicle insurance can be divided into two categories: compulsory traffic insurance and commercial insurance, and commercial insurance can be specifically divided into two parts: basic insurance and additional insurance. Motor vehicle insurance generally includes compulsory traffic insurance and commercial insurance, and commercial insurance includes basic insurance and additional insurance.

Legal Analysis: Full Liability Insurance for Car Repair. In the event of an accident, the user is the fully responsible party and assumes full responsibility for the accident.

If the vehicle is fully insured, it will be compensated by the insurance company that the vehicle is insured. If the loss of the other party is within the insurance limit, there is no need to pay any compensation costs, and all of them are borne by the insurance company, but if the amount of the other party's loss exceeds the maximum limit of the insurance, the excess part needs to be borne by the user.

Legal basis: "Provisions on Procedures for Handling Road Traffic Accidents" Article 60 The traffic management department of the public security section shall determine the responsibility of the parties according to the role of the parties' actions in the occurrence of road traffic accidents and the severity of the fault.

1) Where a road traffic accident is caused by the fault of one of the parties, full responsibility shall be borne by the party;

2) Where a road traffic accident occurs due to the fault of two or more parties, they shall bear primary responsibility, equal responsibility and secondary responsibility respectively according to the effect of their actions on the accident and the severity of the fault;

3) None of the parties is at fault for causing the road traffic accident, and if it is a traffic accident, none of the parties is liable.

If one party intentionally causes a road traffic accident, the other party is not liable.

Insurance Law of the People's Republic of China Article 12 The policyholder of life insurance shall have an insurance interest in the insured at the time of the conclusion of the insurance contract. The insured of property insurance shall have an insurable interest in the subject matter of insurance at the time of the occurrence of an insured event. Life insurance is insurance that takes a person's life and body as the subject of insurance.

Property insurance is insurance that takes property and its related interests as the subject matter of insurance. The insured refers to the person whose property or person is protected by the insurance contract and who has the right to claim insurance money. The policyholder can be the insured.

Insurance interest refers to the legally recognized interest of the policyholder or the insured in the subject matter of insurance.

1. What kind of insurance is used to repair your own car?

1. Fully responsible for repairing your own car commercial insurance. Repair the compulsory insurance of the people who are not prepared. Commercial insurance for motor vehicles means that the owner has purchased the compulsory motor vehicle insurance that must be insured by the state, and voluntarily insures the automobile insurance of the commercial insurance company.

Generally, it includes vehicle loss insurance, third-party liability insurance, theft insurance, and vehicle personnel liability insurance.

2. Legal basis: Article 21 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability.

If a road traffic accident occurs in the insured motor vehicle and causes personal and property losses to the victims other than the vehicle personnel and the insured, the insurance company shall compensate within the limits of the liability of the motor vehicle traffic accident liability within the limits of the liability of the land insurance system.

If the damage caused by the road traffic accident is intentionally caused by the victim, the insurance company will not compensate for it.

Article 23.

Compulsory liability insurance for motor vehicle traffic accidents implements a uniform liability limit nationwide. Liability limits are divided into death and disability compensation limits, medical expense compensation limits, property damage compensation limits, and compensation limits for the insured who is not liable in the course of a road traffic accident.

Second, how to check commercial insurance.

2. You can log on to the official website of the insurance company for inquiry;

3. Contact the salesman who handled the purchase for inquiry;

4. Go directly to the business office of the company that purchased the insurance.

Legal side or spine analysis: repair your own commercial insurance, repair other people's compulsory insurance.

Legal basis: "Regulations on Compulsory Insurance of Liability for Motor Vehicle Traffic Seepage Accidents" Article 21 If a road traffic accident occurs in an insured motor vehicle and causes personal and property losses to the victim other than the vehicle personnel and the insured, the insurance company shall compensate within the limits of the compulsory insurance liability for motor vehicle traffic accident liability in accordance with the law. If the loss of a road traffic accident is intentionally caused by the victim's group demolition, the insurance company will not compensate for it.