Can I Report to Insurance Directly Without Calling Police After a Rear-End Collision?
3 Answers
Yes, but it depends on the situation. For minor accidents with repair costs not exceeding 2,000 yuan, you can directly report to the insurance company. After the insurance company confirms the claim, you can proceed with the repairs. However, if the repair costs exceed 2,000 yuan or if there are injuries, you must call the police. More relevant information is as follows: 1. Accident Scene Handling: In the event of a traffic accident on the road, the driver must immediately stop the vehicle and protect the scene. If there are personal injuries, the driver must immediately assist the injured and quickly report to the traffic police on duty or the traffic management department of the public security authority. If the scene is altered due to rescuing the injured, the original positions should be marked. Passengers, other drivers, and pedestrians should assist. 2. Accident Outcome Handling: For traffic accidents on the road that do not result in personal injuries and where the parties involved have no disputes over the facts and causes, they can immediately leave the scene, restore traffic, and negotiate compensation matters on their own. If they do not leave the scene immediately, they should quickly report to the traffic police on duty or the traffic management department of the public security authority.
As someone who has been driving for many years, I think whether to report a rear-end collision directly to the insurance company without calling the police depends on the situation. In minor accidents, such as low-speed collisions with no injuries and minimal vehicle damage, if both parties can calmly discuss responsibility, take clear photos of the accident scene, exchange contact information and license plate numbers, and then directly call the insurance company to report the incident, it is feasible. Insurance companies usually require accident photos and information from both parties to process claims quickly, saving the time spent waiting for the police, which is quite convenient. However, it's important to note that if the accident involves injuries, significant vehicle damage, or damage to public property, don’t try to cut corners—call the police immediately. Otherwise, the lack of a police report may lead to claim denial or future disputes. A friend once told me about a minor rear-end collision where both parties negotiated and reported it to the insurance company, and the process went smoothly, saving half a day. Still, I recommend keeping a simple accident toolkit in the car with a notebook and pen. If an accident occurs, take photos immediately as evidence to avoid trouble—safety always comes first.
When dealing with a rear-end collision, if it's a minor incident and you want to save trouble, it's fine to directly report it to the insurance company. I'm usually busy with work and hate wasting time. In case of a low-speed rear-end collision with minimal damage, just talk to the other party to confirm responsibility, quickly take some photos to record the position and condition of the vehicles, exchange phone numbers and license plate information, and then you can contact the insurance company to file a case. They can handle it online or over the phone, and after review, they'll provide a compensation plan without waiting for the police to arrive and wasting half a day. However, be cautious when there are injuries or significant property damage, such as passengers complaining of pain or damage to roadside guardrails. In such cases, you must call the police. Reporting directly to the insurance might simplify the process, but if the other party changes their mind or denies responsibility, lacking a police statement can put you at a disadvantage. It's advisable to take multiple photos of minor collisions for documentation, including the surrounding environment and details of the damage, to facilitate communication with the insurance company later, ensuring both efficiency and peace of mind.
