A small scrape is where this gets mixed up. Both sides say go through insurance and neither says which policy. Your own-damage can repair your car first, and your insurer may later chase the other side under the contract. No own-damage, and you claim against the other person or their liability policy. If they never bought liability cover, that doesn't mean they personally don't have to pay. It means no company is there to pay first.
Before anyone has a percentage, the shop can still estimate. Before they start, ask whether you might have to pay this yourself and sort it later. Paying first and being at fault are not the same thing.
What you can do first
- 01Photograph both insurance cards: compulsory, own-damage, third-party.
- 02Get the estimate before any work, unless you're fine with maybe paying first.
- 03A courtesy car or a rental: ask the policy before you rent. Don't rent and then try to claim it.
Related text. The link leaves this site for the official database or the agency.
Rewritten in my own words. Not a judgment and not a law firm's article. If a number shows up, it belonged to that public discussion, not to you. Check the Judicial Yuan judgment system. These started as public discussions of car crashes. I rewrote them here. Not a law firm's article.
I'm not a lawyer, and I'm not a mediator. I can't decide this for you. The statute that counts is the one still in force. Judgments live on the Judicial Yuan site.