How to Claim Compensation When Your Car is Hit by Someone Else Who is Fully at Fault?
2 Answers
If your car is hit by someone else who is fully at fault, you can demand compensation for your vehicle's repair costs and reasonable transportation expenses during the repair period. The claims process is as follows: 1. Bring your driver's license, accident report, owner's ID card, and bank card to the other party's insurance company to assess the damage to your car; 2. Have your car repaired at a repair shop approved by the insurance company; 3. You may advance the repair costs within the assessed damage range; 4. After confirmation via phone between the insurance company and the other party's car owner, the repair costs can be directly transferred to the owner's bank card; 5. If phone confirmation is not possible, present the repair invoice in person to the other party's car owner to demand payment; 6. If payment cannot be obtained, you may file a lawsuit in court.
That time my car got rear-ended, the other party was fully at fault, and the entire claims process took over a week, but I’ve summarized a few key lessons to share with you. First, immediately move the car to a safe spot after the accident, call 122 to report it and have the police come to the scene to issue a liability determination report, confirming the other party’s fault. Remember to take photos of the license plates, a full view of the collision point, and details of both drivers’ licenses and insurance policies—these photos are crucial to avoid disputes later. Once the police finish handling it, get the other party’s insurance contact info, file a claim directly to explain the situation, and submit the evidence. For repairs, I chose a 4S shop—they covered all costs, though waiting for the damage assessment queue was annoying, but patience paid off. If the other party drags their feet on the claim, don’t stress—ask your own insurer for subrogation; they have professional teams to help recover the costs. I now regularly check my insurance documents when driving, and this incident reminded me not to skimp on third-party liability coverage—saving a little now could mean double the trouble later.
