How to pay for car damage insurance in unilateral traffic accidents
1. After a traffic accident, if you are fully responsible, you can use car damage insurance to compensate for your own vehicle losses, because car damage insurance can protect your own vehicle from insurance accidents such as collisions. First, you should compensate the other party for personal injury and property loss within the compulsory insurance liability limit, and the part exceeding the limit will continue to be paid by the three liability insurance. If there is no three liability insurance, you need to bear the liability for compensation for the part beyond the compulsory insurance liability. As for your own losses, you can only rely on the other party's compulsory insurance and your own car damage insurance and seat insurance to compensate. , and the maximum claim amount cannot exceed the insurance amount;
2. If the other party is the non-responsible party, it can use the compulsory insurance and third party liability insurance of the fully responsible party to compensate for its own losses, and the other party can make claims without using its own car damage insurance.
Legal basis: Article 21 of the Regulations on Compulsory Liability Insurance for Motor Vehicle Traffic Accidents.
If a road traffic accident occurs in an insured motor vehicle, causing personal injury or property loss to the victim other than the person on board and the insured, the insurance company shall make compensation within the compulsory motor vehicle traffic accident liability insurance limit according to law. The loss caused by the road traffic accident is intentionally caused by the victim, and the insurance company will not compensate.