回复：车祸是谁的错？两车相撞还是自己撞墙一类的？

It's driver's fault (bad weather + speeding), caused collision, only himself invloved.  My niece only has liability, insurance won't pay anything.  For damaged car, what should she do (she didn't know where it's now, she only knew car accident from her friend).  She alreday let insurance know.  Does she need to ask car tag from driver's family ?