Case analysis Xiao Zhang loves cars. He bought a car less than two years after graduating from college, and bought his own car with full insurance according to the insurance salesman's words. forepart

For the first time, the insurance company should pay Xiao Zhang in full and get the right of subrogation, that is, claim money from the responsible party within the limit of the compensation amount, and the excess compensation should be transferred to the insured Xiao Zhang.

The second time, you should also take full responsibility with the insurance company with no responsible party or unknown responsible party.