Can Compulsory Traffic Insurance Cover My Own Car in a Two-Vehicle Accident?

[LeKiara]

After a two-vehicle accident involving compulsory traffic insurance claims, you can repair your own car if both parties have compulsory traffic insurance, no third parties are involved, and both parties reach an agreement. Both parties have compulsory traffic insurance: According to the new "mutual collision self-compensation" rule for compulsory traffic insurance implemented after February 1, 2009, if two or more vehicles collide, all vehicles involved must have compulsory traffic insurance, the damage to each vehicle must be within 2,000 RMB, and only the vehicles themselves are damaged (including property and goods on board). No third parties involved: No other third-party losses or personal injuries are involved. The accident is handled by traffic police or through mutual agreement at a local rapid processing center, with all parties bearing responsibility (including primary, secondary, or equal liability). Mutual agreement: If all parties agree to adopt the "mutual collision self-compensation" approach, each can go to their own insurance company to claim compensation for their own vehicle within the 2,000 RMB limit of the compulsory traffic insurance.