Does Repairing Two Cars Under Full Liability Count as Multiple Claims?

[SanHeidi]

In the same accident where both parties suffer damages, repairing two cars under full liability is considered as a single claim by the insurance company for vehicle repair costs. Filing a Report: After the accident occurs, preserve the accident scene and immediately report to the vehicle's insurance company. If the third-party damage involves public infrastructure or another vehicle, it is necessary to report to the traffic police department. On-Site Handling: Insurance company personnel will arrive at the scene and issue an "Inspection Report," while the traffic police department will arrive and issue an "Accident Determination Certificate" on-site. Third-Party Repairs: If the third party is a non-motorized vehicle, it is best to request that the insurance company personnel, during on-site handling, directly agree on a mutually recognized damage assessment price among the three parties (the third party, the insurance company, and the vehicle owner). If the damage cannot be assessed on the spot, during the process of assessing the third-party damage, request the insurance company to provide a damage assessment price.

[LaBenjamin]

That day, I accidentally rear-ended two cars in front of me, and I was fully at fault. Both my car's front end and the rear of the other cars were dented. The insurance adjuster came and said it was just one accident, no matter how many cars were involved, and it would only be recorded as one claim in my record. However, the compensation was split into two payments: one for my car and another for the other party's vehicle. After that incident, my insurance premium skyrocketed the following year, which felt a bit unfair, but those are the insurance company's rules. I advise everyone to drive carefully. If something similar happens, don’t panic—call your insurance company immediately to clarify things and avoid misunderstandings that could lead to multiple claims and greater losses. Minor accidents are common in life, but once you learn from them, you’ll understand. Safety first, after all.

[LaPiper]

A friend once asked about a similar situation. As someone in insurance, I need to clarify: In an at-fault accident where two cars are repaired, it's generally considered a single incident, not counted separately. Insurance companies track the number of accident reports, not the number of damaged vehicles. However, during claims processing, payments might be handled as two transactions. The key point is the record in your insurance history, which affects renewal rates. In practice, it's best to settle minor accidents privately to avoid reporting. For major repairs, check your coverage limits to avoid out-of-pocket expenses. Understanding these points helps save hassle and money.

[LaZoe]

In cases of full liability for repairing two vehicles, insurance companies typically count it as a single claim based on the accident itself, not per vehicle. Experience tells me that the real pain point is the subsequent premium adjustment. It's wise to consult your own company early to understand the details and avoid misunderstandings.