Can I Report to Insurance Directly Without Calling the Police After a Rear-End Collision?
2 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: On-Scene Accident Handling: In the event of a traffic accident on the road, the driver must immediately stop the vehicle and secure the scene. If there are casualties, the driver must immediately provide aid to 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. Accident Outcome Handling: For traffic accidents on the road that do not result in casualties and where the parties involved have no disputes over the facts and causes, they can immediately leave the scene, resume 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.
The other day my car got rear-ended while waiting at a red light. For such minor fender benders, there's no need to panic. My personal handling procedure is: First, agree on liability division with the other party (the rear vehicle is almost always fully at fault), take photos of both license plates, collision points, and road markings with your phone, and remember to have the rear driver send you photos of their driver's license and insurance policy. Then call your insurance company to report the claim - they'll guide you through uploading photos on their app for damage assessment. But pay special attention to two things: 1) If the other party behaves poorly or tries to deny responsibility, you must call 110; 2) If anyone in the car complains of pain, even just a sore neck, you need to call police for an accident report - otherwise medical costs won't be covered. As long as both parties agree on the facts, signing an agreement at a quick processing center is much faster than waiting for traffic police.