How to Claim Insurance When You Are Fully at Fault in a Rear-End Collision?
1 Answers
When you are fully at fault in a rear-end collision, you should immediately contact your insurance company. In this case, the insurance company will cover the compensation. The claim process for a rear-end collision involving reporting to the police and on-site inspection: If the traffic accident is minor, first report to the police, then notify the insurance company for compensation, or you can directly notify the insurance company for compensation first. If the on-site collision evidence shows no issues, the insurance company can independently determine liability, and the traffic police do not need to handle it on-site. Additionally, the insurance company's on-site investigation staff will analyze and determine the insurance coverage and collect information such as driver's licenses and ID cards. Points to note when handling the issue: For minor traffic accidents involving only external damage, the insurance company's damage assessor can also evaluate the damage on-site and, if it involves three types of damage, make compensation payments on the spot; for more significant traffic accidents, it is necessary to go to an auto repair shop for disassembly to assess the damage and determine replacement items and labor hours; furthermore, the damage assessor must report to higher authorities to verify the reasonableness of the damage costs.
