代驾出车祸28000元车损谁来赔？

Group 1 - The incident involves a car accident where the driver, Mr. Li, hired a ride-hailing service after consuming alcohol, leading to a collision with another vehicle [1] - The total damage cost for Mr. Li's new Mercedes-Benz is determined to be over 28,000 yuan, with the ride-hailing service deemed primarily responsible for the accident [1] - The insurance company of the ride-hailing platform only covers personal safety liability, while the vehicle damage insurance is an additional low-cost coverage, resulting in insufficient compensation for the vehicle damage [1] Group 2 - Mr. Li's own insurance company initially refused to compensate, stating he was not at fault in the accident, but later agreed to cover the repair costs and seek reimbursement from the ride-hailing service's insurance [1] - Legal experts indicate that under labor contract law, the insurance company of the ride-hailing service should bear the primary responsibility for the accident, with the service platform also liable for compensation [1]