How to Claim Compensation for a Rear-End Collision Where You Are Fully at Fault?
3 Answers
If the accident is determined to be the full responsibility of the rear-ending vehicle, you can bring the accident determination certificate, vehicle damage repair cost receipts and invoices, as well as the accident liability determination certificate issued by the traffic police. Directly contact the other party's insurance company for claims settlement, which covers property loss compensation under the compulsory traffic insurance.
After being deemed fully at fault in my last rear-end collision, the compensation process actually went quite smoothly. First, I stopped the car and called the police. The traffic police issued an accident liability determination, confirming my full responsibility. Later, I contacted my insurance company to report the claim, and they sent an adjuster to assess the damages. It was determined that I was responsible for the repair costs of the other party's vehicle and any medical expenses for injuries. Fortunately, I had third-party liability insurance, which covered most of the costs, and I only had to pay the 500 yuan deductible. The entire process, including vehicle repairs and compensating the other party, took about 10 days. Compensation isn't just about car repairs—it also involves details like lost wages, but thanks to insurance, the consequences could have been much worse. In the end, I learned to always maintain a safe following distance and avoid distracted driving to prevent similar accidents. Regularly checking the brake system is also important—safety first, after all.
As someone who has experienced a rear-end collision, the compensation process needs to be handled step by step. First, ensure the scene is safe and call the police. After the traffic police determine liability, immediately notify your insurance company to file a claim. Compensation mainly includes the other party's vehicle repair costs, medical expenses, and compensation for emotional distress, all of which must be covered by the at-fault party. Remember to promptly submit various documents, such as the accident determination report and receipts, so the insurance company can assess the compensation amount. If you only have compulsory traffic insurance, it may not be enough to cover the compensation; therefore, I recommend purchasing third-party liability insurance for better value. The entire process takes about one to two weeks, but afterward, I reflected on my driving habits—paying more attention to road conditions, regularly checking lights and tires to reduce accident risks. Insurance is a lifeline in critical moments; don't skimp on it.
