Legal analysis: According to my country's Road Traffic Safety Law, under normal circumstances, after a traffic accident occurs, the traffic police usually survey the scene first, and then issue a traffic accident determination letter to divide responsibilities. The perpetrator shall bear the liability for traffic accident compensation according to the proportion of accident liability. When a car accident occurs, if the damage to the goods on the vehicle is direct property damage, the perpetrator should bear the liability for compensation in proportion to the liability.

Legal basis: "Road Traffic Safety Law of the People's Republic of China" Article 76 If a traffic accident involving a motor vehicle causes personal casualties or property losses, the insurance company shall indemnify the third party of the motor vehicle. Compensation shall be made within the liability limit of the compulsory liability insurance; for the insufficient part, the liability for compensation shall be borne in accordance with the following provisions:

(1) If a traffic accident occurs between motor vehicles, the party at fault shall bear the liability for compensation; both parties shall bear the liability for compensation. If both are at fault, the liability will be shared in proportion to their respective faults.

(2) If a traffic accident occurs between a motor vehicle and a non-motor vehicle driver or pedestrian, and the non-motor vehicle driver or pedestrian is not at fault, the motor vehicle party shall bear the liability for compensation; there is evidence to prove that the non-motor vehicle driver or pedestrian is not at fault. If the motor vehicle driver or pedestrian is at fault, the liability of the motor vehicle party shall be appropriately reduced according to the degree of fault; if the motor vehicle party is not at fault, the liability for compensation shall not exceed 10%.

Traffic accident losses are caused by non-motor vehicle drivers and pedestrians intentionally colliding with motor vehicles, and the motor vehicle party is not liable for compensation.