How to Handle Fast Claims When the Other Party is Fully at Fault
2 Answers
If a minor traffic accident occurs between two vehicles, both parties should immediately stop their cars, turn on the hazard lights, and then get out to inspect the vehicle damage. After checking the vehicle damage, both parties should verify each other's documents, including the driver's license, vehicle registration, compulsory traffic insurance label, and vehicle inspection qualification label. Once the documents and labels are confirmed to be complete, both parties should exchange contact information and confirm that there are no issues. If the parties cannot determine responsibility, evidence can be collected. Both parties should then move their vehicles to a position that does not affect normal traffic flow, negotiate the accident responsibility, fill out a fast settlement form, and report the incident to the insurance company by phone. According to the negotiated responsibility, the non-liable party should go to the at-fault party's insurance company to handle the relevant insurance claim procedures.
For quick claims settlement when the other party is fully at fault in a car accident, I believe the key lies in prioritizing safety and having complete evidence. That day when I got rear-ended in the city, I first stopped the car and turned on the hazard lights. After ensuring no one was injured, I placed the reflective warning triangle. Then, we exchanged names, phone numbers, and driver's license numbers. I carefully photographed the scene location, license plate numbers, and all damage areas, including close-ups and wide-angle shots. I immediately contacted my insurance company to report the accident, describing the situation and clarifying the other party's clear liability. They usually guide you on the next steps or use an app to upload documents. Waiting for the insurance company to process the compensation is usually hassle-free and completed within a few days. Here's a little tip: avoid arguments after an accident—let the facts speak for themselves to prevent complications. Stay focused while driving and maintain sufficient distance to prevent accidents. Always keep your insurance policy number handy for lightning-fast use when needed.
