How to File an Insurance Claim When You Are Fully Liable for a Rear-End Collision?
1 Answers
When you are fully liable for a rear-end collision, you should immediately contact your insurance company. In this case, the insurance company will cover the compensation. Insurance claim process for rear-end collisions involving police reports and on-site inspections: For minor traffic accidents, first report the incident to the police, then file a claim with the insurance company. Alternatively, you can directly file a claim with the insurance company first. If the collision scene shows no issues, the insurance company can independently determine liability, and traffic police do not need to handle the scene. 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 exterior damage, the insurance company's damage assessor can evaluate the damage on-site and provide compensation for up to three types of damage. For more significant traffic accidents, the vehicle must be taken to a repair shop for disassembly and damage assessment to determine replacement items and labor time. Moreover, the damage assessor must report to higher authorities to verify the reasonableness of the compensation costs.
