How to Handle a Vehicle Accident Where the Other Party is Fully at Fault?
3 Answers
Survey and damage assessment inspectors must complete on-site surveys and inspections within 1 working day after receiving notification from the insurance company's internal staff; All claims must be calculated and reviewed within 3 working days, then submitted to the claims department head for verification. Settlement and case closure.
My top priority in the event of an accident is to ensure safety. I immediately stop the car, turn on the hazard warning lights, and place a warning triangle behind the vehicle to prevent secondary accidents. Then, I use my phone to take comprehensive photos of the accident scene, including the relative positions of both vehicles, detailed images of the damage, license plate numbers, and the other driver's documents, ensuring clarity for traffic police evidence collection. Next, I call 122 to report the accident, providing the location and details, and wait for the traffic police to arrive and issue a liability determination report—confirming the other party's full responsibility is the most reliable approach. Exchange information includes the other party's name, contact number, license plate number, driver's license, and insurance policy number, while also contacting my insurance company to report the incident, clarifying the other party's liability. If the vehicle is severely damaged, I arrange for a tow truck to take it to a designated repair shop, such as a 4S dealership. Repair costs can be paid upfront or negotiated for the other party to claim from their insurance. Throughout the process, I remain calm and document all details for future reference, ensuring not to overlook safety or procedures due to haste, which could delay claims.
If the other party is fully at fault in a car accident, I usually take photos as evidence first: capture the entire vehicle, local scratches, and road markings to ensure no disputes. Quickly contact the traffic police by calling 122 to report the situation, and don’t forget to obtain a written accident liability determination. Exchange insurance policies with the other party and take a photo for future reference. Report the incident directly to your own insurance company to follow their process, and the claims adjuster will guide you on choosing a repair shop. After the repair, keep invoices and other proof documents, as claiming compensation from the other party’s insurance is usually efficient. Pay attention to the 48-hour window to avoid complications—the key to the entire process is acting swiftly without delay.
