How to Claim Compensation When the Other Party is Fully Liable for a Rear-End Collision?

[GabrielFitz]

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.

[LaElliana]

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.

[LaDerek]

My experience is that after a rear-end collision, don't rush to move the vehicle. First, turn on the hazard lights and place the warning triangle to ensure safety. The most crucial step is waiting for the traffic police to arrive and obtain the accident liability determination certificate, which will clearly state that the other party is fully at fault. If the other party doesn't have commercial insurance or tries to evade responsibility, you can apply for subrogation compensation through your own insurance company, though your premium might increase slightly the following year. For repairs, you must go to the repair shop designated by the insurance company; otherwise, the other party's insurer might not accept the quoted price. Remember, besides repair costs, you can also claim transportation compensation. Last time my car was in repairs for 10 days, and I received 100 yuan per day for commuting expenses. If handled properly, the entire process can usually be resolved within two weeks.

[LeRyder]

Don't panic if you're rear-ended, the key is to obtain the traffic police accident report. Contact the other party's insurance customer service directly to file a claim, and they will send you a text message with the damage assessment number. Personally, I prefer to have repairs done at a 4S shop, which is about 15% more expensive than regular repair shops, but the other party's insurance company will cover it. If you need a car during the repair period, you can rent one and claim the transportation expenses with the invoice. Make two copies of all documents: one to submit to the other party's insurance company and one to keep for your records. If there are delays in parts delivery, remember to ask the 4S shop for a delay certificate to claim additional days of transportation allowance.

[DeJude]

After the rear-end collision, I immediately secured the evidence: I took five photos with my phone—one panoramic shot of the front and rear of the car, and three close-ups of the collision details. Upon receiving the traffic police's liability determination report, I filed a claim by phone immediately. During the damage assessment, I recommend following the assessor throughout the process to document the list of parts being replaced. After the car is repaired, don’t forget to obtain the detailed repair list and the original invoice—these two documents are the basis for the insurance company's payment. Experience tells me the most troublesome part is damage to electronic components. Last time, the assessment for the reversing radar module was 1,800 yuan, but the other party’s insurance company argued and only agreed to pay 1,500 yuan. It was only resolved after requesting the traffic police to issue a supplementary liability determination.

[ThomasFitz]

My claims experience focuses on three key steps: During evidence collection, ensure sufficient video and photo documentation, especially of skid marks on the road surface. At the damage assessment stage, insist on OEM replacement parts - last time when my headlight bracket cracked, the other party's insurer wanted to repair it, but I insisted on replacement to avoid future issues. Never sign the case closure document before receiving the compensation payment. Another often overlooked aspect is vehicle depreciation loss - while legally supported, it requires third-party assessment reports. My two-year-old car was assessed to have depreciated over 8,000 yuan after being rear-ended, and this compensation needs negotiation with the other party. Throughout the process, remember to follow up promptly with insurance customer service - payment reminders typically require multiple calls before expedited processing.