Is the auto insurance claim paid to the car owner or the 4S shop?

[GeorgeAnn]

Auto insurance claims can be processed by the car owner themselves at the insurance company or handled by the 4S shop on their behalf. Below is relevant information: 1. Components: Auto insurance generally consists of two parts: basic insurance and additional insurance. Basic insurance is further divided into vehicle damage insurance and third-party liability insurance. 2. Coverage: Vehicle damage insurance covers losses to the insured vehicle itself; third-party liability insurance covers damages to targets outside the insured vehicle, such as pedestrians, public property, and other vehicles; passenger liability insurance covers personal and property losses of passengers in the insured vehicle; theft insurance covers compensation when the insured vehicle is stolen; no deductible coverage ensures 100% compensation in case of an accident. Without no deductible coverage, the policyholder bears 30% of the deductible for each accident.