Hello, I drove into the railing of the parking lot. The parking lot won't let me pay. Can I apply for insurance to pay my alimony?

1. If compensation is needed, it is because the car crashed into the guardrail, which is a unilateral accident. First, call the police, call the insurance company for insurance and compensate for the loss of the guardrail.

2. In addition, those who run away after hitting the guardrail will be fined, administratively detained and deducted points for running away after causing a traffic accident, which is unnecessary.

Secondly, it depends on whether your insurance can cover all the losses, but generally speaking, it will not be within the reinsurance amount you need to bear extra.

1. According to Article 88 of the Road Traffic Safety Law of the People's Republic of China, if a motor vehicle has a traffic accident, causing damage to roads, power supply, communications and other facilities, the driver shall call the police and wait for treatment, and shall not leave. If a motor vehicle can move, it should be moved to a place that does not hinder traffic. The traffic administrative department of the public security organ shall notify the relevant departments of the accident.

Please check whether the vehicle commercial insurance you purchased has additional insurance without deductible. Judging from the situation, it is estimated that you didn't buy additional insurance without deductible. In this case, according to the insurance contract, the insurance company will not pay some money or proportion. That is to say, as mentioned in your question, the insurance company proposes that the insurance company will pay within the insurance scope, but part of the loss (within the deductible) will be borne by you personally.

Hit the guardrail and escape, score 12+detention+fine+full compensation for the guardrail loss. The insurance company will not compensate you for the car damage and guardrail loss, and will leave you with a bad traffic record. In the traffic accidents handled by the traffic police department, the drivers involved are more or less tired, and the speed is too fast, which leads to improper operation and unilateral traffic accidents. But there are many reasons for "improper operation". Most of these accidents happened at night, especially in the early hours of the morning. This is because the driving sight is poor at night, and drivers are prone to fatigue. If you don't pay attention to the road conditions, driving too fast will easily lead to accidents such as overtaking and avoiding pedestrians. Tips: The answer is recommended by netizens for reference only.