You take full responsibility for the accident. How much your insurance company pays depends on the type of insurance you insure. If the accident is compulsory insurance, your insurance company can only compensate the other party for the car damage of 2000 yuan, and the part exceeding 2000 yuan will not be compensated. At the same time, your car damage will not be compensated by the insurance company.

If you also have some commercial insurance, such as car damage insurance, the three, excluding deductible and so on. Then the maintenance costs of both cars in this accident will be borne by your insurance company. As long as it does not exceed the insured amount, all expenses shall be borne by the insurance company.

After the accident, you should call the police immediately and report it to the insurance company. Then the traffic police will divide the responsibilities and issue a certificate of responsibility for the accident. The vehicles of both parties will be damaged in the repair shop or 4S repair shop designated by your insurance company. When determining the damage, the insurer of your insurance company must participate and approve the fixed damage price before the car can be repaired. After the vehicles of both parties are repaired, you have to pay for the maintenance of that vehicle, and at the same time ask the driver of the other party for a provincial license and a copy of the driver's license.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.