Is it Replacement or Repair for Parts When the Other Party is Fully at Fault?
2 Answers
Whether parts are replaced or repaired in a traffic accident where the other party is fully at fault depends on the extent of damage to the parts. Below are the steps to follow when you are fully at fault in a rear-end collision and need to file an insurance claim: 1. Report the Accident: After the accident occurs, preserve the accident scene and immediately report the incident to your vehicle's insurance company. If the third-party loss involves public road facilities or another vehicle, you must also report to the traffic police department. 2. On-Site Handling: An insurance company representative will arrive at the scene and issue a "Survey Report," while the traffic police will arrive and issue an "Accident Determination Certificate" on-site. 3. Third-Party Repairs: If the third party is a non-motorized vehicle, it is best to request that the insurance representative, during on-site handling, directly reach a tripartite (third party, insurance company, vehicle owner) agreed-upon loss assessment price. If the loss cannot be assessed on the spot, request the insurance company to provide a loss assessment price during or after the third-party loss assessment process.
Car repairs depend on the specific situation. From my experience, when the other party is fully at fault, first have a 4S shop or professional repair shop assess the extent of the damage. For exterior parts like bumpers and headlights, if there are cracks or deformations, replacing them is more reliable than repairing. However, for metal parts like doors, if the structure isn't damaged, dent removal and repainting should suffice. New parts come with original manufacturer warranties, while repaired parts are cheaper but prone to future issues. Don't forget to negotiate with the other party's insurance company for compensation with original parts—many insurers push for aftermarket parts, so stand your ground. Don't easily trust repair shops that suggest simple fixes, as some hidden damages may surface over time.
