How to Claim Compensation When the Other Party is Fully Liable for a Rear-End Collision?
3 Answers
If the rear vehicle has insurance coverage, the driver of the rear vehicle can present the "Traffic Accident Liability Determination Certificate" issued by the traffic police, along with the vehicle repair cost list and invoice. Then, contact the insurance company that covers the vehicle to proceed with the claim.
You know, after driving for so many years, I've actually been rear-ended with the other party fully at fault. At the time, I immediately pulled over safely, turned on my hazard lights, made sure no one was hurt, and called the police right away while taking photos and videos of the other car's license plate. Once the traffic police arrived and determined fault, the other party's insurance had to cover all my repair costs, including the rental car expenses. The key is to stay on top of the insurance process: report the accident details and contact information to my own insurer—they'll coordinate with the other party's insurance for compensation, usually with an assessor evaluating the damage within a couple of days. I recommend getting repairs done at an authorized 4S shop to avoid disputes. Also, if anyone's injured, like a neck sprain, medical costs should be included in the claim. Bottom line—once the other party admits full liability, the process is much smoother, but never settle privately to prevent complications. And remember, maintaining a safe driving distance is crucial.
I got into a rear-end collision shortly after getting my driver's license, and the other party was fully at fault. It really scared me. Fortunately, I called 122 (traffic police) immediately, and the other party's insurance quickly admitted liability. The process was quite simple: after reporting to the police, the traffic officer issued an accident liability statement on the spot. Then, I contacted my insurance company to file a claim, and they forwarded the documents to the other party's insurer for processing. The compensation covered all repair costs, including the minor scratches on my car, and even reimbursed me for a few days of rental car expenses for commuting. The key takeaway is not to panic after an accident—remember to note down the other party's license plate number, contact information, and insurance policy number. Once, my friend was in a rear-end collision, and the other party's insurer delayed compensation. In such cases, you can directly involve the traffic police department. This experience taught me to install a dashcam in my car to record accident scenes for evidence. Although the compensation went smoothly, I'll definitely pay more attention to maintaining a safe distance to prevent accidents in the future.
