If the car loan has not been paid off at this time, the loan contract between you and the bank will continue to be fulfilled, that is, the borrower still needs to repay, otherwise it will be suspected of breach of contract and be investigated for legal responsibility. In addition, if the accident causes the vehicle to be scrapped, you can claim compensation from the insurance company if you buy the corresponding insurance. 1, identification of traffic police's accident responsibility. 2. If it is scrapped by others, you can ask the other party for compensation. 3. In the compensation part, the value of the car to be compensated is not affected by whether the loan is paid off. If you are worried that the loan is not clear now, you can deal with the compensation first. First, if the vehicle meets the following three standards, then the insurance company will compensate all the losses. 1, the repair cost after damage is greater than the actual value of the vehicle when it is out of danger; 2. The approved expenses plus the estimated rescue expenses are greater than the actual value of the vehicle at the time of the accident; 3. It is estimated that the rescue cost is greater than the actual value when the vehicle is in danger. If it is a unilateral accident, the compensation for car damage shall be based on the actual value of the car at the time of the accident. In addition, the actual value at the time of the accident = the purchase price of the new car at the time of the accident (1- months of use x monthly depreciation rate). 2. If the accident vehicle reaches the national scrapping standard, the owner of the vehicle shall carry the motor vehicle registration certificate, number plate, driving license and original vehicle to the motor vehicle recycling enterprise designated by the public security traffic management department for the following operations: 1. Fill in the registration form of stopping, resuming/cancellation of motor vehicles. Motor vehicle recycling enterprises confirm the disintegration of motor vehicles, and issue the Certificate of Second-hand Vehicle Recycling to the owners of motor vehicles; 2. The motor vehicle recycling enterprise shall, within 7 days from the date of disintegration of the motor vehicle, return a copy of the application form for motor vehicle registration and suspension, resumption/cancellation, motor vehicle registration certificate, license plate, driving license and certificate of recycling of scrapped motor vehicles to dmv; 3. The vehicle management office shall issue a motor vehicle cancellation certificate to the owner, and then go through the relevant procedures such as road maintenance fee sales with the motor vehicle cancellation certificate issued by the owner, and the scrapping procedures are completed. Legal basis: Provisions on Procedures for Handling Road Traffic Accidents Article 60 The traffic administrative department of the public security organ shall determine the responsibility of the parties according to the role played by their actions in road traffic accidents and the severity of their faults. (a) due to the fault of one party caused by road traffic accidents, take full responsibility; (2) If a road traffic accident occurs due to the fault of two or more parties, they shall bear primary responsibility, equal responsibility and secondary responsibility respectively according to the role their actions played in the accident and the severity of the fault; (3) The parties are not at fault for causing road traffic accidents. If it is a traffic accident, neither party is responsible. If one party intentionally causes a road traffic accident, the other party shall not bear the responsibility.

Second, the car was damaged in the accident and the loan has not been paid off. What about the scrapping process?

If you have applied for insurance with the insurer first, you should claim compensation from the insurer. User suggestions are for reference only. Good luck!

Third, what surgery is needed to scrap the accident car?

Accident car scrapping mainly applies for cancellation of registration and can be sold to the motor vehicle recycling enterprise where the vehicle is located. According to the provisions on motor vehicle registration: Article 30? If it is impossible to drive back to the registered place due to vehicle damage, the owner of the motor vehicle may sell the scrapped motor vehicle to the motor vehicle recycling enterprise where the vehicle is located. Sales of motor vehicles, should fill in the application form, submit the motor vehicle registration certificate, license plate and driving license. Motor vehicle recycling enterprises shall confirm and disassemble motor vehicles, and issue a certificate of recycling scrapped motor vehicles to the owners of motor vehicles. Scrapped school buses, buses, trucks and other operating vehicles shall be disintegrated under the supervision of the vehicle management office. ? A motor vehicle recycling enterprise shall, within seven days after the disintegration of a motor vehicle, submit an application form for recycling scrapped motor vehicles, a motor vehicle registration certificate, a license plate, a driving license and a copy of the certificate of recycling scrapped motor vehicles to the vehicle management office for cancellation of registration. The vehicle management office of the scrapped place shall, within one day from the date of acceptance, review the submitted documents and vouchers, recover the motor vehicle registration certificate, license plate and driving license, and transmit the motor vehicle scrapping information to the vehicle management office of the registered place through the computer registration system. The vehicle management office at the place of registration shall handle the cancellation of registration within one day from the date of receiving the scrapping information of motor vehicles and issue a cancellation certificate.

4. The car has been damaged in the accident and the loan has not been paid off. What about the scrapping process?

Hello, buying a car with a loan is generally all-insurance. The insurance company will repay the bank loan first and then call you the rest.