How to accept compensation messages from merchants?

Direct insurance compensation is direct compensation. Usually it means that after the car is damaged, it goes to the designated repair shop of the insurance company to determine the damage, and then directly signs the bill without paying the bill. The insurance company pays the indemnity directly to the repair shop to reduce the trouble of the insured.

The other party is fully responsible, and the other party will compensate you for the maintenance costs. As for whether the other insurance company is needed to determine the loss, it is unnecessary. If the other party needs compensation from the insurance company, be sure to inform the insurance company. If the amount is not satisfactory, consult with the person in charge!

You are not responsible for the accident, and your insurance company is usually not liable for compensation.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.