If it is your responsibility, you should be responsible for repairing his car. He will use his compulsory insurance to accompany you to 400 yuan, and then you can use your commercial insurance to repair the car, but you have to pay for it yourself first. If you go to a professional repair shop, you don't have to pay for it yourself. They will pay for you. Insurance will also be given to you. I don't know where you come from in Beijing, but I can recommend a repair shop to you.