How to Claim Compensation When the Other Party is Fully Liable for My Vehicle Damage?
2 Answers
Compensation methods for vehicle damage when the other party is fully liable: If your vehicle is damaged in an accident where the other party is fully liable, you can request compensation for all direct and indirect losses. After the accident, do not move the vehicle. First, report the incident to the insurance company, which will send an assessor to evaluate the damage and provide compensation based on the assessment results. Below are the relevant details: 1. Compensation items: Include repair costs for the insured vehicle due to damage caused by the accident, as well as reasonable rescue expenses (such as towing fees if the insured vehicle loses normal driving capability. Reasonable costs for using non-professional firefighting equipment during the rescue, compensation for damage to others' property caused by the rescue that should be borne by the insured. Additional damage to the insured vehicle caused by accidents during towing by non-hired tow trucks). 2. Compensation limits: Compensation items for personal injury to the victim include: medical expenses, lost wages, nursing fees, transportation costs, accommodation fees, hospitalization meal subsidies, and necessary nutrition fees. For victims who suffer disability due to the injury, compensation items in addition to the above include: disability compensation, disability aid equipment fees, living expenses for dependents, and necessary rehabilitation, nursing, and follow-up treatment fees incurred during actual recovery and continued treatment.
I've encountered a similar accident before and felt quite nervous, but later realized the process wasn't actually difficult to handle. First, after the accident occurred, I immediately pulled over to ensure safety, then took out my phone to photograph the vehicle damage and scene location, including the other party's license plate and document information. Next, I called the police to have traffic officers determine liability. After obtaining the accident liability determination certificate and confirming the other party was fully at fault, I felt relieved. Then I contacted my own insurance company to explain the situation, and they advised me to directly negotiate compensation with the other party's insurer. I called the other party's insurance company to report the claim, submitted evidence photos and the determination certificate, and waited for them to send someone to assess the damage amount. A few days later, I received the settlement notice and had my car repaired at a designated shop without paying out of pocket. The entire process took about two weeks - remember not to rush into private settlements, follow formal procedures to protect your rights. It's practical to keep an accident kit in your car with first aid supplies and evidence collection tools, just in case.
