What to Do If a Designated Driver Scratches Your Car?

[OMatthew]

First, call the police for assistance, turn on the hazard warning lights, take photos to preserve the scene, and move to a safe location. Also, notify the insurance company for investigation and claims. Below is extended information regarding accidents involving designated drivers: 1. Paid Designated Driving: According to Article 49 of the Tort Liability Law, when the owner and user of a motor vehicle are not the same person due to leasing, borrowing, or similar circumstances, and a traffic accident occurs where the vehicle is at fault, the insurance company shall compensate within the compulsory insurance liability limit. Any insufficient amount shall be borne by the user of the motor vehicle; if the owner of the motor vehicle is at fault for the occurrence of the damage, they shall bear corresponding liability for compensation. 2. Hired Designated Driving: Apart from the insurance coverage provided by the owner's policy, any excess amount shall be borne by the owner. Of course, in cases of intentional or gross negligence causing harm, joint liability for compensation shall apply.