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

1 Answers

StFrancisco

07/30/25 2:04am

If your car is rear-ended and the other party is fully at fault, you do not need to involve your own insurance. The at-fault party should notify their insurance company, which will assess the damage and provide compensation. If the at-fault party does not have insurance, they are responsible for covering all damages. Below are the relevant provisions from the "Road Traffic Safety Law of the People's Republic of China": 1. Article 73: The traffic management department of the public security organ shall promptly prepare a traffic accident certification based on the on-site investigation, inspection, and relevant testing or appraisal conclusions, which serves as evidence for handling the traffic accident. The traffic accident certification shall specify the basic facts, causes, and responsibilities of the parties involved and shall be delivered to the parties. 2. Article 74: In case of disputes over compensation for traffic accident damages, the parties may request mediation from the traffic management department of the public security organ or directly file a civil lawsuit with the People's Court. If the parties fail to reach an agreement through mediation or do not fulfill the mediation agreement after it takes effect, they may file a civil lawsuit with the People's Court.

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