First of all, when it comes to the third party, that is to say, when you hit a person or object, only when there is a statement of which insurance to report first, if it is a car damage, then it must be commercial insurance. The normal procedure here is to report the compulsory insurance first, and then report the third party of the commercial insurance, this is if the insurance is bought in the same insurance is so, but if the compulsory insurance and commercial insurance is purchased in a different insurance company, then in the claim may produce the trouble of pushing each other,