How to File an Insurance Claim for a Rear-End Collision with Full Liability?
2 Answers
After a rear-end collision, the liability is determined by the traffic accident liability certificate issued by the traffic police. Compensation will be made based on this certificate. If the accident is determined to be the full liability of the rear-ending vehicle, you can file a claim with the other party's insurance company by presenting the liability certificate, repair cost invoices, and the accident liability determination certificate.
Ah, I've been through this once. Being fully at fault in a rear-end collision can be quite nerve-wracking, but don’t panic and flee. The first step is to stop safely and call the traffic police at 122 to obtain an accident liability certificate, proving your full responsibility. Then, call your insurance company’s claim hotline to report the accident time, location, and the other vehicle’s details. They’ll guide you on taking and uploading evidence photos, such as damage to the vehicles. Next, exchange contact information and copies of your driver’s licenses, and wait for the insurance adjuster to assess the damage. When repairing the car, go to an authorized shop or a 4S dealership—you might need to pay upfront and get reimbursed later. Remember, after a full-fault claim, your premium might increase, but it’s much easier than settling privately, at least ensuring the other party’s compensation is handled smoothly. After decades of driving, the key is to stay calm and handle accidents properly.
