How to Compensate for Your Own Car Damage Without Purchasing Vehicle Damage Insurance?
3 Answers
If the car owner has not purchased vehicle damage insurance but has bought third-party liability insurance, the property damage of the other party will be fully covered by the third-party liability insurance. In the event of a traffic accident, if the car owner has neither purchased vehicle damage insurance nor third-party liability insurance, all vehicle losses will be borne by the at-fault car owner.
As a car repair shop owner, I've seen plenty of car owners who didn't purchase vehicle damage insurance end up in miserable situations when repairing their cars themselves. First, you need to clarify accident liability: if the other party is fully at fault, their compulsory traffic insurance can cover up to 2,000 yuan in property damage for you, and the rest should be claimed from their third-party liability insurance. If you're fully at fault, it's a real headache—you'll have to pay all repair costs out of pocket. Last week, a customer spent over 8,000 yuan just to fix a bumper. If liability is split 50-50, it's even more troublesome—the other party only covers half the cost, and you're stuck with the rest. The key is assessing the extent of the damage: minor scratches and a few hundred yuan for a paint job might be bearable, but if the engine is damaged, repairs could easily run into tens of thousands. My advice: with an old car, you might take the gamble, but for a new car, it's best to buy insurance properly to avoid losing half a year's salary from a single accident.
I've been driving for twenty years, and what scares me most is hearing young people say they skip comprehensive car insurance to save money. Last year, a colleague rear-ended someone without insurance and had to pay 32,000 yuan out of pocket for repairs, while the other party's insurance only covered the mandatory 2,000 yuan. Let me be honest with you: driving without comprehensive insurance is like running naked on the road. The accident liability determination report is your lifeline—if the other party is deemed fully at fault, make sure they use their commercial insurance to cover your repairs. If you're found fully liable, you'll have to accept the loss and pay for all the bodywork and parts yourself. Here's a lesser-known fact: if the assessed repair costs exceed 50% of the car's value, you can file for a total loss, but the paperwork is a nightmare. I've seen owners buy aftermarket parts from Taobao to save money, but those parts are unsafe. If you really don't want comprehensive insurance, at least set aside a monthly repair fund for emergencies.
