How to Claim Compensation When the Rear-Ending Vehicle is Fully at Fault?
2 Answers
Compensation methods when the rear-ending vehicle is fully at fault: 1. Refer to the traffic police's liability determination; 2. Insurance company compensation depends on the terms of the insurance contract; 3. The at-fault party's insurance company provides compensation; 4. Compensation amount is paid within the assessed loss range; 5. The at-fault driver bears repair costs exceeding the assessed amount; 6. If the vehicle owner has insurance, report the accident promptly for company compensation; 7. Submit required documents for claims, and the insurer will compensate according to policy terms; 8. Send the damaged vehicle to the assessment center, notify the insurer, proceed with repairs, and collect the vehicle afterward. Gather claim documents and submit them to the insurer for processing. After receiving complete claim documents, the insurer calculates to determine the final compensation amount. The insurer's finance department then transfers the payment to the vehicle owner's designated account based on the calculated amount.
Answer 1: The compensation process for rear-end collisions where the following vehicle is fully at fault is actually quite straightforward. I experienced a similar situation before when the car in front suddenly braked hard, and the driver behind failed to stop in time, hitting my rear end. I immediately called 122 to report the incident. The traffic police arrived at the scene, took photos, and issued a liability determination document, clearly stating the following vehicle was fully at fault. My car's repairs were fully covered by the other party's insurance, including towing fees and approximately 12,000 RMB for repairs at the 4S shop. A laptop in the car with a cracked screen was also compensated for over 2,000 RMB. Remember to claim additional compensation for three days of lost wages and taxi commuting expenses—you must proactively request these, as the other party's insurance won't offer them automatically. The entire process took about three weeks. I recommend confirming the replacement parts list before repairs to avoid the repair shop using substandard parts.
