How to File an Insurance Claim When You Are Fully Liable for a Rear-End Collision?
2 Answers
When your car is fully liable for a rear-end collision, you should immediately contact your insurance company. At this point, the insurance company will handle the compensation. The claims process for a rear-end collision involving police reporting and on-site inspection: If the traffic accident is minor, first report to the police, then notify the insurance company for compensation. Alternatively, you can directly notify the insurance company for compensation first. If the collision scene shows no issues, the insurance company can independently determine liability, and traffic police do not need to handle it on-site. Additionally, the insurance company's on-site investigator will assess the insurance terms, collect documents such as driver's licenses and ID cards, and other relevant information. Points to note when handling the claim: For minor traffic accidents involving only external damage, the insurance company's damage assessor can evaluate the damage on-site and provide compensation for three types of damage immediately. For more significant traffic accidents, the vehicle must be taken to a repair shop for disassembly and damage assessment to determine replacement items and repair time. Furthermore, the damage assessor must report to higher authorities to verify the reasonableness of the damage costs.
I've handled this situation several times. If you're fully at fault in a rear-end collision, don't panic—safety comes first. Park your car and turn on the hazard lights. After getting out, check the other party's condition, and call 120 immediately if anyone is injured. Documenting the accident scene is crucial—take photos of the damage locations and license plates, and exchange personal information, including the other party's insurance policy number. Then, promptly contact your own insurance company to report the incident, usually via phone or their app, describing details like the time, location, and speed. They'll guide you on next steps, which might require a traffic police report. Last time I followed this process, the insurance company covered the other party's repair costs within a few days, but remember your premium might increase slightly afterward—consider it a lesson learned. Don't delay the process; acting promptly can save you a lot of hassle.
