What is the process for handling a rear-end collision and filing an insurance claim?
2 Answers
First, report the incident to the traffic police by calling 110 and obtain a traffic accident liability confirmation certificate (police report). Both parties should report the incident to their respective insurance companies. Wait for the insurance company to send an adjuster to inspect the scene and complete an on-site inspection record. Prepare the necessary documents: valid vehicle registration, original and copy of the driver's license, the insured's ID card, and the insurance policy (including both commercial and compulsory traffic insurance policies). Be sure to obtain a copy of the other party's compulsory traffic insurance policy. Submit these documents to a professional insurance staff member at a 4S shop. Steps to handle a rear-end collision: 1. Stop and protect the scene: In the event of a rear-end collision on the road, the driver must immediately stop the vehicle and protect the scene. 2. Negotiate or report to the police: If the accident does not result in personal injury or death, the parties involved can negotiate the compensation for damages on their own. If there are personal injuries or fatalities, the driver must immediately provide aid to the injured and quickly report to the traffic police on duty or the traffic management department of the public security authorities. 3. Hit-and-run: If a vehicle flees the scene after a traffic accident, eyewitnesses and other informed individuals should report the incident to the traffic management department of the public security authorities or the traffic police.
I've been driving for many years and have experienced rear-end collisions several times, so I'm very familiar with the process. First, stop the car and turn on the hazard lights to ensure no one is injured; if someone is injured, call an ambulance immediately. Then exchange information with the other party: take photos of the driver's license, save the insurance policy, and it's best to use your phone to record the accident scene, license plates, and all damage details. Report the accident to the police and insurance company quickly. When calling the insurance company, explain the accident details clearly, and don’t hesitate to ask about the progress. The claims process involves submitting documents and waiting for an assessment, which may take a few days, but with sufficient evidence, all repair costs will be covered. Experience tip: maintain a safe distance while driving and avoid distractions. Stay calm after an accident and don’t argue about fault. Follow the steps one by one without panic.
