Liaoyuan: Firecrackers hurt cars, but the perpetrators can't be found. Who will bear the loss?

If the car is found scratched, but the car that caused the accident can't be found, the car mainly calls the police at the first time, and the traffic police should find the responsible person. At the same time, the scene of the accident should be photographed in all directions, including the location of the accident, the whole picture of the vehicle with clear license plates, and the specific damaged parts.

If the traffic police find the responsible person, it is very simple, and the other party compensates; If the traffic police can't find the responsible person, the traffic police should issue an "accident responsibility confirmation form" to explain that the responsible party escaped, and the owner can claim compensation from his insurance company. However, according to the car damage insurance clause, the insurance claim for the escape of the other party when the car is scratched is paid according to 70% of the car damage loss, and the remaining 30% is borne by the owner himself.

It should be reminded that when claiming compensation from your own insurance company, if the accident only causes paint damage and the body is not damaged, the insurance company will not compensate unless the vehicle is insured with scratch insurance. In addition, if the vehicle has not purchased car damage insurance, excluding deductible insurance, the vehicle mainly compares maintenance costs and deductibles.

Scrap disposal method:

1. If the parking status of the car is scratching, it can be determined that it is the other party's responsibility, then it is necessary to check the degree of scratching. If conditions permit, it is best to take photos or videos as evidence. Consult the local 4S shop or auto repair shop to inquire about the maintenance price, and then the two sides will negotiate to solve it and let the other party transfer money on the spot;

2. If it is a serious scratch or the other party is unwilling to pay compensation, you should call the police or notify the insurance company to intervene. After the division of responsibilities of the traffic police and the inspection of the insurance company, it will be repaired in the 4S shop. If the other party escapes, it is even more important to call the police;

3, generally scraping, taking paint as an example, if you paint in a 4S shop, you basically need 500-600 yuan, and the paint in the outside auto repair shop usually needs 200-300 yuan;

However, the specific compensation cost still depends on the specific situation. After all, the cost of car maintenance with different values is different, and the actual degree of scratching is not necessarily the same. It is recommended to consult the 4S shop. If necessary, you should call the police or notify the insurance company to intervene.

Legal basis:

Article 13 of the Insurance Law

The applicant requests insurance, the insurer agrees to underwrite, and the insurance contract is established. The insurer shall issue an insurance policy or other insurance certificate to the applicant in time.

An insurance policy or other insurance certificate shall specify the contents of the contract agreed by both parties. The parties may also agree to clarify the contents of the contract in other written forms.

An insurance contract established according to law shall take effect upon its establishment. The applicant and the insurer may attach conditions or time limits to the validity of the contract.