What to Do If Your Car Is Rear-Ended and the At-Fault Party Has No Insurance?
1 Answers
If your car is rear-ended and the at-fault party has no insurance, you can demand compensation from them for all losses. Subrogation: To protect your rights, you can use the subrogation method to have your insurance company cover the losses, after which the insurance company will then seek compensation from the at-fault party. Legal Provisions: According to Article 60 of the 'Insurance Law of the People's Republic of China', if a third party causes damage to the insured property resulting in an insurance incident, the insurer, from the date of paying the insurance compensation to the insured, shall have the right to subrogate the insured's claim for compensation against the third party within the scope of the compensation amount.