This kind of accident is unilateral. As long as your insurance covers car damage insurance and deductible, the insurance company will pay all the maintenance costs (note: whether to notify the insurance company at the first time and keep the site. Otherwise, there will be a deductible. )。 As for how much to pay, it depends on the loss. Under normal circumstances, the principle of insurance loss determination is that it can be repaired without replacement, that is, the amount of compensation should be reduced. However, the owner always wants to replace it or not. After all, the newly bought car is psychologically uncomfortable to repair, and it is more beneficial to replace it with a new one than to repair the old one. So there will be some controversy about the amount of compensation. In your case, the insurance company will definitely compensate for the loss. The cost is about 500-600 yuan (you can't see the actual condition of the car, just estimate it according to the front bumper. 4S shop front bumper spray 500 yuan, plastic 200 yuan, insurance company discount 500-600 yuan. Changing the bumper is about 1600). I guess you won't agree. It's awkward to think that the bumper of the new car is covered with putty. Moreover, bumpers are generally made of PU and have toughness. Then putty is not malleable. When the bumper is deformed, the putty will crack and have to be repaired again. Therefore, we must coordinate with the insurance company, or ask the staff of the 4S shop as a third party to determine the loss, so as to reflect fairness. Don't worry, 4S stores will increase their losses for profit. Their principle is that they can be replaced or not, so it is easy for you to dredge. The above is my many years of car experience, please refer to it.