How to Handle Severe Vehicle Damage?
2 Answers
First, the insurance company that underwrites the compulsory traffic insurance will compensate within the liability limit. Any remaining amount will be covered by the commercial third-party liability insurance company according to the insurance contract. If there is still a shortfall, the infringing party will be liable for compensation as stipulated by the Road Traffic Safety Law and the Civil Code.
Last time my car was involved in a serious accident, the entire vehicle was smashed beyond recognition. I panicked a little at that moment, but immediately turned on the hazard lights and pulled over. The first thing I did was check myself and passengers for injuries, and only felt relieved after confirming everyone was fine. Then I took out my phone to photograph all damage details, including the front, side and interior destruction. Next, I contacted traffic police to document the scene, and they issued an accident report. Soon after, I called the insurance company to file a claim, and their staff guided me through submitting photos and the report. After damage assessment, the repair cost exceeded the car's value, so I decisively chose to total it. The insurance company paid the full insured amount, which I used to buy a used car. Now I drive with extra caution. Remember, safety always comes first - in such situations don't act recklessly, protect people before worrying about the car.
