Someone else hit my car, do I need to take out my own insurance?

Someone else hit your car, the other party went to report insurance, I didn't hit your car, you let the other party pay money directly.

After reporting to the traffic police, the traffic police divide the responsibility for the accident and decide whether to report insurance based on the accident responsibility.

Insurance processing claims process after a traffic accident:

1. After reporting a traffic accident, the scene should be properly protected, and the insurance company should be reported in a timely manner, and the road accident should also be reported to the traffic department for processing, and the non-road traffic accident (such as the vehicle crashed into a tree or wall due to driving reasons), should be issued with supporting materials.

2. In case of accident, at the same time, assess the damage to the vehicle, estimate the reasonable cost, and notify the owner to go to the repair shop designated by the insurance company to deal with the accident vehicle.

If the owner of the car requires self-repair, he should go through the self-repair procedures, and if the repair fee exceeds the damage assessment fee, the owner will pay the excess part.

In the case of a claim for third-party liability, the insurance company shall also determine the amount of compensation in accordance with the law and pay compensation according to the insured amount. The insurance company may refuse to pay the amount of compensation negotiated privately between the policyholder and a third party.

3. Compensation for all losses stipulated in the regulations.

After the total loss of the insured vehicle, if the insured amount is equal to or less than the actual value at the time of the accident, the insured amount will be compensated.

2.In the event of a total loss of the insured vehicle, if the insured amount is higher than the actual value at the time of the accident, compensation will be made according to the actual value at the time of the accident.

4. Compensation for part of the losses stipulated in the regulations.

If the insured vehicle suffers partial loss, the insured amount reaches the actual value at the time of underwriting, regardless of whether the insured amount is lower than the actual value of the insurance, part of the loss shall be compensated according to the actual repair cost; If the insured amount of the insured vehicle is lower than the actual value of the insurance, the repair cost will be compensated according to the proportion of the insured amount to the actual value at the time of the accident.

2.The maximum amount of compensation for the loss of the insured vehicle is limited to the insured amount. Click on this article.

Buy car insurance clearly, don't spend a penny in vain!

5. Within three months from the date of the repair of the vehicle or the conclusion of the traffic accident, the policyholder shall go to the insurance company to receive the compensation with the insurance policy, accident handling certificate, accident mediation letter, repair list and other relevant certificates. If there is a dispute with the insurance company and no agreement can be reached, the applicant may apply to the economic contract arbitration authority for arbitration or file a lawsuit with the people's court.

If someone else hits the party's car, the party does not need to report insurance.

The car was rear-ended, and the other party was fully responsible, and he did not need to report insurance. The fully responsible party shall inform the insurance company, and the insurance company shall give compensation after assessing the damage, and if the other party does not have insurance, the fully responsible party shall be responsible for all compensation. Public security organs.

The traffic management department shall, according to the traffic accident scene inquest, inspection, investigation and relevant inspection and appraisal conclusions, make a traffic accident identification in a timely manner.

As evidence to deal with traffic accidents. The traffic accident determination document shall clearly state the basic facts of the traffic accident, the causes and the responsibilities of the parties, and serve them on the parties. The other party is fully responsible for the traffic accident, and the advance payment of the loss arising therefrom is negotiated by both parties.

However, if the party causing the accident refuses to pay compensation, it can sue the party responsible for the accident and its insurance company to make compensation. In the case of a dispute over compensation for damages in a traffic accident, the parties may request mediation from the traffic management department of the public security organ, or may directly file a civil lawsuit with the people's court.

If you hit your own car, you can apply for insurance normally.

Usually only car damage insurance is available.

Claims can be settled, and after the accident occurs, the case should be reported to the insurance company in a timely manner, and the on-site evidence should be retained so that the insurance company can assess the damage, in which case it is possible to pay full compensation according to the contract. However, if the case is not reported in time, or the evidence at the scene is not retained, it may cause difficulties in assessing the damage, and the full amount of compensation cannot be obtained. The process of reporting insurance for crashing your car is as follows:

1. After the accident, the owner should immediately call the insurance company that he has insured;

2. When the insurance company personnel arrive at the scene, the owner of the car will issue his own insurance documents and driver's license.

Driving license, ID card.

3. After checking the information, the staff will ask the owner to fill in a report form, which needs to describe the specific process of the accident in detail and objectively;

4. The staff will conduct on-site verification according to the situation described by the car owner, and take photos to retain evidence;

5. The staff goes to the maintenance plant or 4S shop to carry out damage assessment and verification of the maintenance of parts**.

6. The insurance company will hand over the information step by step, waiting for the final claim verification;

7. After the compensation is passed, the owner will be able to receive the compensation.

If the car hits itself, it is generally covered by the vehicle damage insurance, and if you purchase the vehicle damage insurance, you can get compensation from the insurance company within a reasonable range.

Meaning of vehicle damage insurance: Vehicle damage insurance refers to the loss of the insured vehicle itself due to natural disasters (excluding **) or accidents within the scope of insurance liability, which is the highest premium type of insurance in most private car insurance.

1. External force loss: collision, overturning, falling; Loss of the insured vehicle caused by accidents such as accidental collision (accidental collision of the insured vehicle with external objects), rollover, etc.

2. Loss of foreign objects: falling and collapsing of external objects; The insured vehicle suffers from the loss of the insured vehicle caused by the collapse of an external object, the fall of an object running in the air, or a parallel fall of the insured vehicle while driving.

3. Natural disasters: tornadoes; lightning strikes, floods, tsunamis; ground subsidence, ice subsidence, cliff avalanche, avalanche, debris flow, landslide; Fire**.

It's very simple, a way, find a site near your community that is similar to your damaged parts, such as a flower stand, garage pillar, or fence or something, and then put the car there, set up a scene, report to the insurance company, and say that it hit the wall or the flower stand or the pillar, but the premise is to be like.

The second way is to find a repair shop that you are familiar with and ask him to help you deal with the accident, they are generally familiar with the insurance company's claims adjuster, but you must find a familiar repair shop or repair station.

The last way, if you are too troublesome or can't get the first two, just report to the insurance company directly, saying that your car was hit by other cars in the community, and the person who hit you ran away, so that the insurance company will compensate you according to the three hit-and-run accidents, and accompany 70%.

How to report insurance if the car collides with someone else's car:

1. First of all, take pictures at the scene of the accident and report the accident within the time specified in the insurance.

2. If you don't take pictures, and you buy someone's insurance, you can directly find the insurance person, and he will help solve it.

3. If you buy **insurance, you can call the car insurance of that insurance company and let the insurance company send someone to investigate.

In addition, the regulations for car insurance reporting:

A: Single-vehicle accidents can be reported within 48 hours, B: Two-vehicle accidents need to be reported within 24 hours, if both situations exceed the time, the claim should be discounted. Among them, the two-car accident must be photographed at the scene, or after the police are called, the claim shall be settled according to the appraisal certificate of the traffic police.

If there is an injury accident that needs to be reported to the police, and then reported to the insurance, if there is no evidence or proof in both cases, you can only report the accident according to the bicycle accident, that is, you accidentally hit the guardrail or other things, and the vehicle is damaged due to your own reasons, and the general insurance company has to pay compensation.

Legal analysis: depending on the specific situation, the other party is fully responsible for the traffic accident, and we generally do not need to report insurance, and the third-party liability insurance purchased by the other party will compensate for the compensation. If the other party has a serious injury, we need to report to the insurance company, because in the compulsory traffic insurance compensation, the non-responsible party also has to compensate the injured party for the medical expenses and other losses.

Legal basis: "Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability" 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 liability limit of the compulsory insurance for motor vehicle traffic accident liability in accordance with the law. If the loss caused by the road traffic accident is intentionally caused by the victim's remorse, the insurance company will not compensate for it.

Depending on the specific situation, the other party is fully responsible for the traffic accident, and we generally do not need to report insurance, and the third-party liability insurance purchased by the other party will compensate. If the other party is seriously injured, we need to report to the insurance company, because in the compulsory traffic insurance compensation, the unliable party also has to compensate the injured party for medical expenses and other losses. Legal basis:

Article 21 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability 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 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.