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Can 1 Million Third-Party Insurance Cover the Other Party's Car Repair?

1 Answers

DiZoe

07/30/25 1:46am

Generally, the other party's car repair costs are covered by your own insurance company. However, if you do not have car damage insurance and you are fully at fault, you will have to bear the cost of repairing your own car. Basic Concept: Car damage insurance refers to a type of commercial auto insurance where the insurance company compensates within a reasonable range for damages to the insured vehicle caused by an insured accident involving the insured or an authorized driver. Insurance Premium Discounts: The new policy also sets 12 auto insurance rate adjustment levels based on the previous year's claim records, dynamically adjusting according to the claims from the previous year. The highest level is level 12, which increases the insurance premium to 200%; the lowest level is level 1, which reduces the insurance premium to 50%.

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