How to File an Insurance Claim After a Rear-End Collision?
2 Answers
To file an insurance claim after a rear-end collision, first, you need to report the accident promptly, including notifying the traffic police and your insurance company. After the traffic police determine liability and the vehicle is assessed for damage, you can proceed with vehicle repairs, etc. The vehicle owner should bring the insurance policy, repair invoices, and if there are any injuries or fatalities, also bring medical expense receipts and other relevant documents to the insurance company to apply for the claim.
After a rear-end collision occurs, the first step in filing an insurance claim is to ensure the safety of the scene. I usually pull over immediately, turn on the hazard lights, and place a warning triangle behind the car to prevent secondary accidents. Next, check for injuries to myself and others; if there are serious injuries, call 120 for help immediately. For minor scratches, exchange information with the other party: take photos of license plates, insurance policies, and ID cards, and don’t forget to record a video showing the damage locations on the vehicles—these pieces of evidence are crucial for future claims. When reporting the incident to the insurance company, I provide a detailed account of the accident, including the time, location, and cause. The insurance company will then arrange for an adjuster to visit the scene or designate a repair shop. From filing the report to completing the repairs, the entire process usually takes one to two weeks, so remember to keep all receipts for reimbursement. When driving normally, I maintain a safe distance to avoid rear-end collisions, as frequent accidents may lead to higher premiums. Handling insurance matters properly can save a lot of trouble.
