Do I Need to Report to Insurance If I Get Rear-Ended?

1 Answers
McArya
07/30/25 6:09am
If your car is rear-ended and the other party is fully at fault, you do not need to report it to your insurance. Below is an extended introduction about auto insurance: 1. Types: Auto insurance is mainly divided into compulsory traffic insurance and commercial insurance. (1) Compulsory Traffic Insurance: This is a mandatory insurance that every car owner must purchase. (2) Commercial Insurance: For commercial auto insurance, car owners can choose to purchase it selectively. However, it is best to have comprehensive coverage to minimize losses in the event of an accident. 2. Significance: If a motor vehicle is damaged due to natural disasters or accidents during use, it is difficult for the owner to compensate for the losses on their own. If the owner opts for the corresponding auto insurance, these losses will be covered by the insurance company through claim services, providing timely financial support to the owner. This is the essence of auto insurance. Auto insurance is a method of risk transfer, where the insurance company acts as the transferee to share the risks of the policyholder.
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