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A:
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你怎么开车的啊？你看，我的车被刮成这样了！
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nǐ zěnme kāichē de a? nǐ kàn, wǒ de chē bèi guā chéng zhèyàng le!
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What kind of driver are you? Look at how my car is scraped up!
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B:
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哎呀，对不起。我负全责。你看要赔多少，咱们私了吧。
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āiyā, duìbuqǐ. wǒ fùquánzé. nǐ kàn yào péi duōshao, zánmen sīliǎo ba.
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Oh my, I am sorry. I take full responsibility. You decide how much I pay and let's handle it privately.
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A:
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私了不靠谱，咱得走保险流程。
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sīliǎo bù kàopǔ, zán děi zǒu bǎoxiǎn liúchéng.
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Settling it privately is not reliable. Let's follow the insurance process.
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B:
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没问题！
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méiwèntí!
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No problem!
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A:
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我先打110，找交警来开事故认定书。
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wǒ xiān dǎ yāoyāolíng, zhǎo jiāojǐng lái kāi shìgùrèndìngshū.
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I'll call 110 first, to get the traffic police to file an accident report.
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B:
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可以。
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kěyǐ.
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Ok.
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A:
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你联系保险公司，让他们派人来定损！
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nǐ liánxì bǎoxiǎn gōngsī, ràng tāmen pài rén lái dìngsǔn!
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You contact the insurance company and let them send someone to determine the damages!
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B:
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你放心，我投保了三者险，保险公司会认赔的。
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nǐ fàngxīn, wǒ tóubǎo le sānzhěxiǎn, bǎoxiǎn gōngsī huì rènpéi de.
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Don't worry. I have third-party insurance, so the insurance company will agree to pay compensation.
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B:
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（B打电话2分钟后）
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（ B dǎ diànhuà liǎng fēnzhōng hòu）
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( 2 minutes after B makes a call )
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B:
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保险公司说现在没有定损员可以派过来，让我们自己去理赔中心。
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bǎoxiǎn gōngsī shuō xiànzài méiyǒu dìngsǔnyuán kěyǐ pài guòlai, ràng wǒmen zìjǐ qù lǐpéi zhōngxīn.
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The insurance company says they don't have an assessor to send over, so they want us to go ourselves to the claims settlement centre.
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A:
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行，那咱们约个时间吧。
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xíng, nà zánmen yuē gè shíjiān ba.
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Fine. Then let's set a time.
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