Ask a friend who understands traffic law and insurance to help you judge

There is a rule in the traffic regulations that at intersections without traffic lights, both vehicles are going straight, and one of the vehicles must give way to the right side of the road (that is, the vehicle on your right will go first, south to north to give way to east to west; East to west to give north to south, north to south to give west to east, west to east to south to north), so you should be fully responsible for this accident is more likely, because you hit the middle and front of someone's car (even hit the tail is the same, hehe), but more than 70% of you are responsible for the accident accounted for the majority. Because the speed of the other party's car is fast, the speed limit on ordinary urban roads should be 50, at least lower than 70.

Here's what happens when it comes to payouts:

First of all, it is necessary to know that the compensation limit of compulsory traffic insurance for property damage is 2,000 yuan.

1. If the losses of both parties do not exceed 2000, the compulsory traffic insurance will compensate for each other, and there is generally no need for traffic police accident identification (according to the local insurance companies, the traffic police force processing process to see whether it is necessary to issue a certificate).

The so-called compulsory traffic insurance collision self-compensation, that is, the two sides of the vehicle collision when driving, in no one injured, no other losses other than the vehicle need to be compensated by the insurance company, both parties recognize that they are more or less responsible, the loss of the two vehicles does not exceed 2000 yuan each, the four conditions must be met, after the insurance company surveys the scene, repair their own vehicles with their own compulsory insurance, with repair invoices, to settle claims.

2. The loss of your car does not exceed 2000, and the other party exceeds, and the other party uses its own insurance to repair the car for you, and the other party pays in full; You use your own insurance to repair the other party's car, the compulsory traffic insurance pays 2000, the excess part is divided according to the liability (mainly 70%, secondary 30%), the compensation is paid according to the commercial insurance underwriting, the single insurance is stronger, beyond their own, there are three or car damage, the insurance company pays, pay attention to the deductible.

3. The loss of your car is more than 2000, the other party does not exceed, when the other party uses its own insurance to repair the car, the other party pays 2000 for the compulsory insurance, and the excess part is divided according to the liability (mainly 70%, secondary 30%), and the compensation is paid according to the commercial insurance underwriting, the single insurance is stronger, beyond their own, there are three or car damage, the insurance company pays, and it is necessary to pay attention to the deductible. You use your own insurance to repair the other party's car, and you pay for it in full.

4. If the other party uses its own insurance to repair the car, the other party will pay 2000 for compulsory insurance, and the excess part will be divided according to the liability (70% of the main and 30% of the secondary); The compensation is paid according to the commercial insurance underwriting, the single insurance is stronger, more than their own, there are three or car damage, the insurance company will pay, pay attention to the deductible. You use your own insurance to repair the other party's car, and the compulsory traffic insurance pays 2000, and the excess part is divided according to the liability (mainly 70%, secondary 30%) and is still handled according to the excess.

I see that your insurance compensates the other party, and you can compensate yourself, so you don't have to worry about whether you give money or not, and you won't lose 1,000 ......yuanIn fact, 10% of your insurance premium this year is your discount, you weigh it!

First of all, the problem is not big, the traffic police will let the negotiation deal with, as for the insurance, if you are responsible, the insurance will definitely rise, secondly, you buy full insurance, not counting the deductible, that is to say, no matter how much you pay, there is no discount on accessories, everything is calculated according to the new car accessories, as for the other party to compensate you 1000 yuan to make you responsible, you yourself have to determine according to the situation, there is a little full insurance as if the other party insurance is compensated, your own insurance can also be accompanied, you can consult relevant acquaintances, remember not to ask the company you are insured.