How to Handle and Claim Compensation for a Reversing Collision?
3 Answers
After the accident occurs, all vehicles involved should remain at the scene to preserve the accident site and immediately report the incident to the insurance company and traffic police department. The traffic police department will arrive at the scene to investigate and collect evidence, temporarily impounding the vehicles involved, the drivers' driving licenses, and the vehicles' registration certificates. The traffic police department will determine liability based on the accident circumstances and issue a Liability Determination Certificate to all parties involved. Take the vehicle to the damage assessment center and notify the insurance company promptly for damage assessment; proceed with repairs at the repair shop; the owner collects the vehicle after repairs. Settle all related expenses. Gather all necessary claim documents and submit them to the insurance company to process the claim. The insurance company will calculate the final compensation amount after receiving all required claim documents.
I remember accidentally hitting the car behind me while reversing two years ago. At the time, I immediately stopped the car, turned off the engine, and made sure no one was injured before getting out to inspect the damage. I quickly took photos of the damage, including the location, both license plates, and details. Then, I proactively approached the other party to exchange driver's licenses and contact information, explaining that I was at fault for reversing to avoid any arguments. Afterward, I contacted my insurance company to report the incident and provided all the necessary documents. Since reversing accidents are usually entirely the fault of the driver reversing, my third-party liability insurance covered the other party's repair costs. The damage to my own car was covered by my collision insurance, but I had to pay the deductible. The key to the whole process was staying calm and not panicking. After the incident, I installed a reversing radar to reduce the risk. Although reversing accidents may seem minor, mishandling them can lead to bigger troubles, so road safety should always come first. I recommend everyone keep a copy of an accident handling guide in their car.
I just handled a reversing collision case. As someone who frequently repairs cars, I've seen many similar accidents. First, after ensuring parking safety, check if the body damage involves bumper dents or taillight breakage, as these affect repair costs. It's important to take photos to document the extent of the damage for insurance assessment. After exchanging owner information, contact the insurance company. In the compensation process, the other party typically claims against your third-party liability insurance, while your own vehicle damage insurance covers your repair costs. If unfortunately someone is injured, you must also report to the police and follow legal procedures. The actual compensation amount depends on the damage assessment report, and if it's too high, negotiation may be possible. A reminder to everyone: reverse slowly, use mirrors more often, and after repairs, test the reversing function to avoid secondary accidents.
