If there is no car damage insurance, the insurance company will not pay for it. If after the collision, the traffic police's responsibility is divided into the other party's full responsibility, at this time, their own car damage fees can be fully compensated. If everyone is responsible, only part of the maintenance costs can be paid at this time, and the rest of the maintenance costs need to be borne by themselves.

What is the process of applying for auto insurance?

1. Report in time: report to the insurance company within 48 hours after the accident;

2. Survey and damage assessment: After reporting the case, the insurance company will have a special person responsible for survey and damage assessment;

3. Nuclear price: unilateral minor injury accident, on-site injury, multi-party and serious injury accident, loss of loss center;

4. Providing documents: handling auto insurance accidents and submitting necessary documents;

5. Claim: Submit all documents, complete the auto insurance claim and receive the claim.

Legal basis: Article 98 of the Road Traffic Safety Law of the People's Republic of China

If the owner or manager of a motor vehicle fails to take out compulsory motor vehicle third-party liability insurance in accordance with the provisions of the state, the traffic administrative department of the public security organ shall detain the vehicle until it is insured in accordance with the provisions, and impose a fine of twice the insurance premium payable in accordance with the provisions.

All fines paid in accordance with the preceding paragraph shall be included in the social assistance fund for road traffic accidents. Specific measures shall be formulated by the State Council.