Can I Claim Insurance for My Car If the Other Party Is Fully Liable for the Rear-End Collision?
3 Answers
Answer: Yes. The details are as follows: The insurance company with which the car owner is insured should bear the liability for this accident. According to the type of vehicle insurance coverage, within the insured liability limit, the insurance company will first compensate for the damage to the other party's vehicle, and then compensate the car owner within the remaining limit. Any insufficient amount will need to be borne by the car owner. Additional Information: Commercial Insurance Compensation: During the insurance period, if an accident occurs while the insured or their permitted legal driver is using the insured vehicle, resulting in personal injury, death, or direct property damage to a third party, and the insured is legally liable for the economic compensation, the insurer will be responsible for compensating the portion that exceeds the sub-limits of the Compulsory Traffic Accident Liability Insurance (hereinafter referred to as "Compulsory Insurance") in accordance with the provisions of this insurance contract.
If you've just been rear-ended and the other party is fully at fault, your car is absolutely entitled to compensation—I've handled this many times. First, don't panic. After ensuring the scene is safe, take photos of the license plate, damaged areas, and road conditions. Then, call the police to obtain an accident liability report, which prevents the other party from reneging. When filing a claim with the other party's insurance company, they will arrange for an assessor to evaluate the damage details, such as the extent of damage to the bumper or headlights, and compensate you for repair costs or directly assign a repair shop. Keep all receipts throughout the process. The insurance procedure can be completed in as little as two to three days, making it hassle-free. If the other party refuses to cooperate, you can use your own insurance's subrogation function to avoid paying out of pocket. In short, following the rules is the safest way to ensure everything goes smoothly.
Under the legal framework, a rear-end collision with the other party at full fault entitles you to full compensation for vehicle damages. When handling traffic accidents, I adhere to legal procedures: first securing evidence by taking photos and reporting to the police, then obtaining the accident liability certificate. The other party's insurance (typically compulsory traffic insurance plus commercial insurance) should cover your repair costs, including parts and labor. In practice, timely communication with insurers for damage assessment is crucial to avoid financial losses from private settlements. After compensation, don’t overlook potential risks like hidden hazards from body deformation—conduct a thorough inspection before reuse. Remember, these rights are legally granted; exercising them lawfully is justified.
