How to Claim Compensation When the Other Party is Fully Liable for a Rear-End Collision?
2 Answers
If your car is rear-ended and the other party is fully liable, you should immediately stop the vehicle, call the police, and notify both insurance companies. Before the traffic police and insurance company staff arrive, protect the accident scene to facilitate investigation and evidence collection. Prepare the vehicle registration certificate, driver's license, beneficiary's ID card, and insurance policy. Also, request a copy of the other party's compulsory traffic insurance policy. After the traffic police arrive and determine the accident liability, you can directly claim compensation from the other party's insurance company with the accident liability determination certificate issued by the traffic police, the vehicle damage repair cost receipts and invoices, and the compulsory traffic insurance property loss compensation. Road traffic accident handling procedures: The involved parties should first call the police immediately. If the vehicle is damaged, mark the position of the accident vehicle and then move the vehicle to a place that does not obstruct traffic. Then, call the insurance company to send someone to assess the damage. After the traffic police complete the on-site investigation, they will prepare an accident liability determination certificate and hand it to the involved parties. If a party refuses to sign and disagrees with the traffic police's mediation, administrative penalties will be imposed on the party's traffic violations.
Last time my car was rear-ended and the other party was fully at fault, the process was actually quite straightforward. The first step is to call 122 to report the accident and have the traffic police come to the scene to issue a liability determination document—this paper document is a must-have. At the same time, remember to take photos of both parties' driver's licenses and vehicle registration certificates, as well as multiple wide-angle shots of the collision details and license plates. Then directly contact the other party's insurance company's claim hotline, and they will arrange for an assessor. I personally recommend going to a 4S shop for assessment and repairs because the quality of parts is guaranteed. You don’t need to pay out of pocket for the entire process; after the repairs, just have the 4S shop settle directly with the other party's insurance company. However, keep copies of all receipts in case the other party's insurance company delays payment. Once, I had to wait half a month for a reimbursement of 23,000 yuan in repair costs.
