If you have car insurance, can you claim compensation from the driver who caused the accident after

Are you referring to the driver of the accident on both sides of the other side? Or is it the driver who was driving at the time of your own unilateral accident, and you think his negligence caused your losses and want to claim compensation from him? Or is it that another car hit you, and you used your own insurance to repair the car, and then you want to claim compensation from the other driver.

If it is unilateral, you can hold the driver accountable for the crash and punishively deduct his wages, not to mention compensation. After all, you have insurance to repair the car and let the driver pay again, it seems that you are too dark, after all, there are other subordinates watching, and it is not good for your reputation.

If it is an accident between the two parties, you take the insurance to repair the car itself is illegal to cheat the insurance, and now you are looking for someone to go to the insurance company to assess the loss, but how to determine how much you have lost if your losses have been repaired? Even if you go to court, it's the same thing, you provide a repair invoice but how do you prove that the project you repaired was caused by this accident, if you can't prove it, you can't win the lawsuit.

If the other party has paid you according to the insurance and the car has been repaired, but there is a price difference, you can continue to claim, but you can come out without a lawsuit. If it is a mental loss or vehicle damage that you want him to pay for depreciation, then a lawsuit may not be able to compensate, I heard that some courts have awarded compensation, but this situation is relatively rare.

If you have already received compensation from the driver who caused the accident, you cannot claim compensation from the insurance company. However, you can claim compensation from the driver who caused the accident for the underpaid portion of the insurance.

No. After a vehicle accident. Report to the insurance company, the insurance company will investigate the vehicle and the scene of the accident.

This insurance can only repair the damage caused by this accident. The previous ones are not covered by this warranty. But this also has to be distinguished, specific situations.

For example, your front bumper.

It turned out that the left side was scratched. But if it's not serious, you'll never stop. This time.

The right side hangs bad. In this case, the insurance company is to repaint the entire bumper for repair. Or replace it with a new bumper.

That's why I repaired it with your last Chinese New Year. It's okay. But if you say I'm breaking into the front bumper this time.

I'm going to repair the rear bumper, but the insurance company won't repair it.

Hello! In the event of an accident, you can pay for the repair of your vehicle through car damage insurance.

1. Will the insurance company still compensate after repairing the car?

1. Whether the insurance company will compensate for repairing the car, the details are as follows:

1) Whether the damage to the car has been reported to the insurance company, and the insurance company agrees to settle the claim. If the insurance company has assessed the damage and the owner has repaired the vehicle, the insurance company will make a claim in accordance with the relevant regulations;

2) Self-maintenance of the vehicle, without the insurance company's report. If the car has been repaired and the insurance company is notified, the insurance company will not make a claim;

3) If the damage to the car does not comply with the protection regulations of the insurance purchased, the insurance company will not agree to make a claim.

2. Legal basis: Article 27 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability.

If a road traffic accident occurs in an insured motor vehicle and the insured or victim notifies the insurance company, the insurance company shall immediately give a reply and inform the insured or victim of the specific compensation procedures and other relevant matters.

2. What are the precautions for car insurance?

1. The two main insurances should be covered. Auto insurance mainly includes compulsory traffic insurance and commercial insurance, and compulsory traffic insurance is a type of car insurance that must be insured by the state, which must be insured. Commercial insurance includes main insurance and additional insurance, and the two main insurances here refer to car damage insurance and three liability insurance;

2. See the restrictive regulations. In the terms of some insurance companies, when applying for insurance, you must read these regulations carefully to avoid unnecessary troubles after an accident;

3. Remember to ask for terms. Insurance terms are one of the most important components of the insurance contract, when signing the insurance contract award, the car owners must see whether the salesman has the insurance terms, see what rights and obligations should be fulfilled, so as to have a reasonable basis in the later claim.

Summary. Help with repairs.

The insurance company will designate a 4S shop to carry out repairs and pay the money directly to the 4S shop, and usually will not issue the compensation for direct repairs to the car owner.

Whether the insurance company loses money or helps repair the car accident.

Help with repairs. The insurance company will point to the 4S shop for repairs, and the money will be paid directly to the 4S shop, and usually the direct car repair compensation will be issued to the car owner.

However, it can also be negotiated, and an agreement can be reached to assess compensation.

After a traffic accident, if both parties have the same opinion on the division of responsibility for the dispute over compensation and property reform, they should report to the police and the insurance company in time, and the traffic police will issue a liability determination according to the simplified procedure, and the insurance company will assess the late price of the vehicle loss (repair cost).

Summary. Hello, you don't have to pay all the money for a car insurance claim to the repair shop. Generally, after the insurance accident occurs, after the insurance company has assessed the damage, the car owner needs to pay the relevant expenses in advance, such as car maintenance costs, victims' medical expenses, etc., and then apply to the insurance company for compensation with the maintenance order, medical order and other information, in which case the compensation is for the car owner.

However, if the insurance company cooperates with the repair shop, then the insurance company can directly pay the claim to the repair shop to repair the car.

Does the insurance company have to pay the money to the car repair shop after the car owner arrives?

Hello, the money for a car insurance claim does not necessarily have to go to the repair shop. Generally, after the occurrence of an insurance accident, after the insurance company has assessed the damage, the owner needs to pay the relevant expenses by himself, such as car maintenance costs, victim's medical expenses, etc., and then apply to the insurance company for compensation with the maintenance order, medical order and other information. However, if the insurance company cooperates with the repair shop, then the insurance company can directly pay the claim to the repair shop to repair the car.

The appearance of my car is a little scratched, so I repaired the car of Xunchun Hall to help me upgrade, went to the insurance company, and then after the damage was assessed, the money was hidden to my account, but when I went to get it, the car repair shop asked me to give the money for the claim to the car repair shop, right?

If there are many claims, you don't need to give it to the car repair shop, and you will pay how much it costs.

Legal analysis: can be negotiated with the insurance company; You can also directly sue the other party and ask the court to go to the other party's insurance company to hand over the compensation directly to the court and return it to the person, instead of giving it to the policyholder.

Legal basis: Insurance Law of the People's Republic of China

Article 1 This Law is enacted for the purpose of regulating insurance activities, protecting the legitimate rights and interests of the parties involved in insurance activities, strengthening the supervision and management of the insurance industry, safeguarding social and economic order and social public interests, and promoting the healthy development of the insurance industry.

Article 2 The term "insurance" as used in this Law refers to the commercial insurance act in which the insured pays insurance premiums to the insurer in accordance with the contract, and the insurer bears the responsibility for compensating for the property losses caused by the occurrence of an accident that may occur as agreed in the contract, or bears the responsibility for paying the insurance money when the insured dies, is disabled, is sick, or reaches the age and time limit agreed in the contract.

1. You are fully responsible, but the other party is not responsible. After you have applied for insurance, you urge your insurance company to go to the other party's car repair shop to quickly determine the damage, and the vehicle can be repaired immediately. The rest of the repair costs can be claimed directly from your insurance company.

In fact, a road traffic accident that does not cause injury with single liability is a relatively simple way to deal with it. The traffic police only need to issue a confirmation of responsibility before both parties repair the car, and then apply for insurance. In addition to reporting to the traffic management department, it should also be reported to the insurance company in a timely manner.

On the one hand, let the insurance company know that the applicant has been involved in a traffic accident. On the other hand, you can also consult the insurance company on how to handle and protect the site. The insurance company will teach the driver how to ask each other for accident certificates.

2. The car is as good as insurance.

The policyholder refers to the person who applies for insurance and pays the insurance premium; An insured person is a person who receives a car covered by an insurance contract. If the owner insures his car, the policyholder is the same as the insured. If someone else insures the car, the policyholder and the insured are not the owner of the car, and the ID card of the car owner is also required when applying for insurance.

Information. (This is what people often call the insured and the driving license.)

In this case, under normal circumstances, when making a claim, the money is paid to the insured on the policy. Use your ID card to buy insurance, then you are a party to the contract, and if there is an accident, you also need to bear the obligations of the contract.

Extended Materials. Legal basis: Civil Code of the People's Republic of China.

Article 1213 Where damage is caused by a traffic accident involving a motor vehicle and the responsibility of the motor vehicle party is the responsibility of the motor vehicle, compulsory insurance for the motor vehicle shall be underwritten first.

The insurer shall compensate the socks within the limits of the liability of the compulsory insurance; For the insufficient part, the commercial insurance of the motor vehicle shall be underwritten.

The insurer shall compensate in accordance with the provisions of the insurance contract; If it is still insufficient or has not taken out commercial insurance for motor vehicles, the infringer shall compensate for it. Your identity information, driver's license.

Try not to lend such documents to others for use, so as not to cause some unnecessary misunderstandings and disputes in the future, which will destroy feelings and take risks, and also delay time. So try not to buy car insurance for others in your own name.