Legal analysis: In practice, there may be differences between the fixed loss price of insurance company and the actual maintenance price of repair shop, especially the repair cost of high-end cars is tens of thousands, and the huge difference between the fixed loss price of insurance company and the actual maintenance cost may be borne by the owner. The repair fee is generally based on the actual repair price, and the insurance company will compensate. Insurance companies may not compensate for depreciation losses.

Legal basis: Article 89 of the Regulations for the Implementation of the Road Traffic Safety Law of the People's Republic of China, the traffic administrative department of the public security organ or the traffic police shall rush to the scene in time after receiving the traffic accident alarm. If there are no casualties and the facts are clear and the motor vehicle can move, the parties concerned shall be ordered to evacuate the scene and resume traffic after recording the accident. Those who refuse to leave the scene will be forced to leave.

In the case of a road traffic accident under the circumstances specified in the preceding paragraph, the traffic police may apply summary procedures and issue an accident confirmation on the spot. If the parties request mediation, the traffic police can mediate the dispute over damages on the spot.

If road traffic accidents cause casualties and property losses and require an inquest or inspection of the site, the traffic administrative department of the public security organ shall conduct it in accordance with the work norms of the exploration site. After the site investigation, organize to clean up the site and restore traffic.

"Regulations for the Implementation of the Road Traffic Safety Law of the People's Republic of China" Article 90 If a motor vehicle insured with compulsory motor vehicle third-party liability insurance has a traffic accident, and the insurance company needs to pay the rescue expenses for rescuing the injured, the traffic administrative department of the public security organ shall notify the insurance company.

If the road traffic accident relief fund needs to pay in advance for rescuing the injured, the traffic administrative department of the public security organ shall notify the social relief fund management institution for road traffic accidents.