Distress! About car insurance claims! The other party is fully responsible, and my full insurance is

In this case, if the court decides that he is indeed fully responsible, how much will he pay you, and if he does not pay, the court will enforce it. There is another way, now there is a subrogation in China's insurance, you are covered by the full insurance and now for your situation, your insurance company is indeed not responsible for compensation, because they only bear the loss caused by your responsibility, if the responsibility of others causes your loss is compensated by the other party's insurance company. If the other party's insurance is not enough, you can see if you can let the insurance company you insure pay you first, and then entrust the company you insured to recover this part of the money.

However, it is not optimistic, because subrogation recovery only means that the insurance company has this authority in the relevant laws and regulations, but it is not the obligation of the insurance company. Therefore, basically the insurance company will not accept such a thing.

Under normal circumstances, the compensation you can get is 2000 plus the part enforced by the court.

Car insurance claim procedures for which the other party is fully responsible:

1. Report the case in a timely manner;

2. The insurance company conducts an investigation to protect the accident site;

3. The insurance company's surveyors shall conduct the damage assessment or hand it over to the special loss assessment center for damage assessment;

4. Submit the necessary accident documents and other relevant information to the insurance company;

5. The insurance company shall settle the claim according to law after examination and approval.

[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 victim other than the vehicle personnel and the insured, the insurance company shall compensate within the liability limit of the compulsory insurance for motor vehicle traffic accident liability in accordance with the law.

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

1. Auto insurance claim full responsibility car insurance claim process.

1. Insurance. The so-called accident covers a wide range, including unilateral accidents, two-party accidents, multi-party accidents, and even the car parked on the side of the road can also be called insurance. In short, to put it bluntly, as long as you ask the insurance company to pay for you to repair your car, it can be called an accident.

2. Report the case. In the event of a traffic accident, you first need to call the 122 accident alarm station, and determine the responsible party through the traffic police, and the party with the responsibility of probation is responsible for calling the insurance company you have insured to report the accident. If it is a unilateral accident or a minor accident, you can take a photo of yourself and drive away, and report the accident to the insurance company within 48 hours after the accident.

3. Survey and damage assessment. After receiving the report, the insurance company will conduct an investigation and damage assessment of the vehicle, and determine the amount of loss according to the damage to the vehicle. If the amount of the claim exceeds the coverage limit, the car owner or the responsible party will need to pay the difference out of pocket.

In the event of a minor accident, the owner can directly drive the vehicle to the damage assessment center for damage assessment. If the loss is large, the insurance company will send an investigator to the scene of the accident to investigate.

4. Submit the claim materials. The claim materials include the vehicle's insurance policy, driving book, driving book, the insured's ID card and the liability certificate, and no liability determination is required for unilateral accidents. If personal injury is involved, the diagnosis certificate of the injured person and the invoice for medical expenses must also be provided.

5. Repair the car. Car owners can choose their favorite 4S shop or familiar repair shop for maintenance, but inform the staff in advance when the insurance company's business hall talks about the damage assessment, and will not change it after choosing the repair location. After the repair is completed, the owner needs to pay the repair money in advance, and need to issue an invoice and a maintenance list consistent with the amount of damage.

6. Receive compensation. After the car is repaired, the insured needs to bring the damage assessment form, maintenance invoice, maintenance list and bank card to the damage assessment hall to go through the compensation procedures. Generally, it will not take more than 7 working days for the claim to be credited to the insured's bank card account.

2. The limit of full liability for auto insurance claims.

The compensation limit for the liability of the confiscated motor vehicle in a road traffic accident is: the compensation limit for death and disability is 110,000 yuan; The compensation limit for medical expenses is 10,000 RMB; The compensation limit for property damage is 2,000 RMB.

The claim process for the full responsibility of the other party for car insurance claims:

1. Report the case. After a traffic accident, the first thing to do is to report the accident in time. In general, the insurance company needs the policyholder to report the crime within 48 hours, and if it is a robbery, it should be reported within 24 hours.

If there is a person**, you should call 120 immediately to save your life.

2. Survey. After reporting the case, the insurance company will send someone to the scene to check whether it is within the scope of the insurance's responsibility. Therefore, before the arrival of insurance company personnel, the car owner must protect the accident scene.

If there is a traffic jam in the morning, you can negotiate with the traffic police and wait for the vehicle to be processed.

3. Damage assessment. Normally, if the damage to the vehicle is not serious, the insurance company's surveyor can directly assess the damage on the spot, and the customer can also drive the car directly to the repair shop. However, if the damage to the vehicle is relatively large, it is necessary to go to the damage assessment center for damage assessment.

4. Submit claim information. The insurance contract stipulates that the insured shall submit the necessary accident documents to the insurance company within 10 days after the public security traffic management department handles and concludes the handling of the car insurance accident.

When these steps are completed, the car owner can wait for the insurance company's claim notice with peace of mind.

5. Get a claim. After submitting the information, the insurance company will make a claim through the request.

Vehicle insurance, i.e., motor vehicle insurance, abbreviated as car insurance, is also known as car insurance. It refers to a kind of commercial insurance that is liable for personal ** or property damage caused by natural disasters or accidents of motor vehicles.

Don't give him anything!

He is fully responsible, just let him compensate you, what do you want your documents for?

You tell him, even if you don't have a driver's license, the car is a black car, you don't have an ID card, and so on. None of this has anything to do with this accident! The responsibilities have been divided, so just ask him for money and it's over, and you don't have to give him anything.

ID cards are not required, and a copy of the driver's license, driving license and compulsory insurance is required.

Uh, you need to give the other party a copy of your driver's license, driving license and compulsory traffic insurance policy, no ID required.

The terms of the compulsory traffic insurance stipulate that the non-responsible party can pay the other party the maximum amount of 100 yuan for car damage under its own compulsory traffic insurance in the accident between the two parties! Of course, the premise is that the fully responsible party must have the car damage true, and greater than 100 yuan, if the loss is less than 100 yuan, according to the actual damage assessment of the insurance company!

Therefore, the non-responsible party must provide the responsible party with a copy of the compulsory liability insurance policy for this year! There is also a copy of your valid driving license and a copy of your valid driver's license! to confirm the legitimacy of your vehicle on the road!

It is also very beneficial for you to ask for compensation from the other party!

It's all just a copy, and you don't have to give the original.

You should provide the other person with a valid driver's license. Driving license. One copy of each compulsory liability insurance policy.

Car damage is to compensate for the loss of your own vehicle caused by your own responsibility.

The three responsibilities are to compensate for the losses of the other party's vehicles, property, and personnel caused by their own responsibility.

It's the same with the other party's car.

1. You only buy three responsibilities, there is no car damage, you are fully responsible, then only your three liability insurance compensates the other party, and you pay for your own losses.

2. If the liability is 37 open, and the other party 3 you 7, that is, the remaining 70% of the other party's loss after deducting the compulsory traffic insurance compensation will be compensated by your three liability insurance. The remaining 30% of the remaining 30% after the other party's compulsory liability insurance is paid by the other party's three liability insurance to cover your losses.

For example, for example, the loss caused by the accident is 12,000 yuan for each party to repair the car, and the responsibility of the other party is 3 and you 7. Then the compensation is:

For the loss of your car, the other party's compulsory traffic insurance will first compensate for the property loss within the scope of the compulsory traffic insurance of 2,000 yuan. The remaining 10,000 yuan, the other party's liability is 30%, then the other party's three liability insurance will compensate you 3,000 yuan. For the remaining 7,000 yuan, you will pay for the car repair yourself because you don't have car damage insurance.

For the loss of the other party's car, your compulsory traffic insurance will compensate 2,000 yuan for property damage, and the remaining 10,000 yuan, 70% of your liability, will be compensated by your third-party insurance for 7,000 yuan, and the remaining 3,000 yuan will be compensated by the other party's car damage insurance.

That is, as long as you are responsible, only car damage insurance can compensate for your own car. In addition, if you can't find a third party, such as the person who caused the accident after the car was scratched, and you can't find the person responsible, then you can only get compensation if you have car damage insurance.

Three responsibilities and car damage are basic types of insurance, not special circumstances, and it is recommended to buy them. And the three liability insurance must be fully bought.

1. If two cars collide, the other party shall be responsible for the compensation according to the size of the responsibility;

2. After purchasing insurance, the insurance company will compensate the policyholder within the insurance limit;

3. Compulsory traffic insurance and third-party insurance only compensate for the losses of the other party on behalf of the policyholder; The vehicle damage insurance compensates for the loss of the vehicle caused by the policyholder's own responsibility, but not the policyholder's own responsibility;

4. Excluding deductibles, it means that all kinds of car insurance have a certain percentage of deductibles, and if you buy without deductibles, then this part of the insurance company will also compensate for the policyholder;

5. If a person or a vehicle collides, the car will be compensated 10% without liability, and the person will not be compensated intentionally;

6. Compensation order of compulsory traffic insurance and three-party insurance:

1) The insurance company that underwrites the compulsory traffic insurance shall first compensate within the limit of liability;

2) The shortfall shall be compensated by the insurance company that underwrites the commercial third-party insurance in accordance with the insurance contract;

On the whole, the owners of both sides bear 50% of the total loss of the accident, if the subject car has no loss, first of all, the subject car insurance company should now bear the loss of 2,000 yuan for the three cars within the limit of compulsory traffic insurance; Secondly, the underlying car insurance company bears 92% of the remaining 50% of the remaining part of the car loss minus 2,000 yuan for the three car losses, that is, (9500-2000)*50%*(1-8%), and 8% is the absolute free odds of the three liability insurance when they are equally liable. Third, the above payment is to compensate the three cars, and the owner of the final target car must personally bear (9500-2000) * 50% * 8%;

The compensation of compulsory traffic insurance is 2000 yuan, and the compensation of commercial three-party insurance = (loss amount - compensation of compulsory traffic insurance) (1 - the sum of free odds) Accident liability ratio = (9500-2000) (1-15%) 50% = yuan.